Monthly Pre-Owned Mechanical Breakdown Policy

I got a call from call centre last year Oct for Meachanical Breakdown policy. As my vehicle was out of warrenty I thought it a good idea to take up the cover. Paid my monthly installments. About two weeks ago I noticed a vibration on my clutch when changing gears. I refered to my policy schedule and realised I can only claim for my clutch when it fails. So in other words I must first get stuck on the road. As I use my vehicle for client visits and cover the whole Western Cape I just cannot risk getting stuck on the road. So last week my clutch started to whistle and was advised by my mechanic to have the clutch kit replaced asap. As I cannot claim for clutch on my policy as it did not fail yet, I gave the mechanic the go ahead. As I need a vehicle for my work, I logged a claim for vehicle rental as per my policy. After being transfered from one agent to another, I was eventually told I cannot claim for vehicle rental, as I did not submit a claim for my clutch. I explained I did not submit claim for clutch as the mechanic already started work on my vehicle, therefore it will be on my own cost, and only want to claim for vehicle rental. My policy allows for vehicle rental.