I wonder if the 150k recovery warranty is true or ****?

I joint cartrack after agents were doing canvasing near my work place. They convince me to join Cartrack. The application was fast just needed my pen and banking details even the installation was quick just after about 4 days filling and signing the forms. Now here is a catch the sales agent showed me their products and prices and I have choose one that I like and can afford the original price was R 320.00 monthly the agent gave me a discount of R 100.00 so my installment monthly will be R 220.00 and month- end had came and there the first debit order went off and amount of three hundred and something rands went off. I phoned the call center and i was advise no the first amount that will be deducted is for some or other reason that they will only understand. I left it and the next premium went off the correct amount great. My car was ****** while i was at work and they did not even receive a temper signal to say someone is busy on your vehicle, i have notice that my car is gone I went back in my work place i phoned Cartrack and notify them that my car is ******, the lady said " how do you want me to assist you?" I said my car is missing and you ask me how can you help me? she rep**** "Yes". I'm reporting that my car is missing and she ask for my registration number which i gave her. She inform me that she will forward it to the supervisor. i ask will you notify the police or should i (Well this is my 1st time dealing with something like this.) she said yes and i went to the police station and reported car theft. That was in October 2017 and November I send my proof of insurance payout, case nr and what they require in their clauses Payment 10.1.1 and 10.1.1.1 state that they will payout the sum of 150'000 on market value if there was no recovery made, now 10.1.1.2 Payment shall be made within 60 (sixty) days. I did what their clauses required from me and i get no answer or reply. I phoned them and ask how long does it take to pay out i had to hear 6-12months and I informed my legal advisor and they email cartrack and was informed that a certain Johnny deals with this cases and had emailed johnny no respond that was on 11th December 2017. I email a certain lady by the name of Terry in customer care, she advise me that she had spoken to the sales agent and he advised that there is a discount on product and she said i do not qualify for recovery warranty because of the discount. Hallo the agent gave discount and gave me the warranty and how can he gave discount and the warranty knowing that the warranty wouldnt pay out. The following day Terry advised me that I do now qualify for the warranty and had escalated it to a certain Chantall to get back to me. I'm the one who is left in the darkness here and I'm the one who is doing the follow ups and all i get is empty promises. its been 3 days and i still have not heard from cartrack or Chantall... WONDER WHAT EXCUSE IS THERE JUST SO THEY DON'T PAY OUT.... VERY POOR SERVICE