I took out two motor warranty plans and a service plan, trusting I'd be fully covered for essential vehicle maintenance

I took out two motor warranty plans and a service plan, trusting I'd be fully covered for essential vehicle maintenance. However, I later learned that critical parts like the cambelt, necessary for a major service, were excluded. As someone without mechanical knowledge, I wasn't aware of this and re**** on the plan's promise of coverage. When I raised the issue, I was told I should have read my contract, but how could I know what was crucial? My car was serviced without replacing the cambelt, leaving me at high risk of engine damage if it fails, which could result in huge repair costs. This feels unfair, as I purchased the plan in good faith expecting comprehensive coverage. Greater transparency about exclusions and their risks is essential. Customers rely on these plans for peace of mind, but this experience has been frustrating and disappointing.