Cartrack refuses to pay warranty even if you do check the unit

My car got ****** on 15 September 2023. It had car track installed from the time I bought the car in September 2021.

I took the car track package with the warranty where they would pay me R150 000 should they not be able to locate my car.

In the terms and conditions it states that I need to check the unit every 3 months. I was unaware of this at the beginning but once I was made aware of this I did the necessary checks. My unit was checked a few days before my car got ****** but car track refuses to pay the warranty.

Nowhere does it say it must be checked from inception or from installation date. If my unit was tested and it got ****** withing the 3 months of it being tested then how can they refuse to pay? Because there were unable to locate the car I just lost 2 years worth of installments and they refuse to pay me the warranty. I reported the car within 3 hours of it being ****** and my car watch was on yet I received no notification once the car was opened or when they were driving away. Yet they said my unit was perfectly fine when I called them to check