Pre-Warranty Cover is a ****

I am very disappointed in the service/treatment I am receiving. 7 days ago, I was given authorization to take my car to a repairing dealer nearby, took my car there (Car Service City Randfontein) and I was told by the dealer that I needed to pay R650. I then received an email from the dealer telling me that they have contacted the insurance and indeed the cover is in place, insurance will only cover the clutch if there has been a mechanical failure so to ascertain what exactly has occurred for the insurance they have to remove the gearbox and send a report. Me as the client I need to approve and provide a go ahead for this as per the insurance. At my own cost. Now my question is why did the insurance authorize for the car to go to the dealer whereas I am I going to be liable for the inspection cost? I could have taken the car there myself and not asked for their authorization if they do not want to take the responsibility. This is not stated on the policy document, why authorize something that you are not going to be responsible for? The reason I have this insurance at hand it is because I do not have the money, why do I have to pay on-top of the R650 for you to get the report and decide then if you want to help or not? There car is there now since last week Friday, what now? Is this a ****? I spoke to one of your consultants yesterday and he claims that he did not sell the insurance to me, now it is my problem, why did you say I should take the car there? The reason I have the pre-warranty insurance is because of times like these now you choose to fail me at a time when I need your help. I have had this policy in place for years and It is the first time I want to claim and this is how you treat people? What exactly did you authorize? Step 3 of the policy claim says your service partner will inspect the damage and provide a report...why does this have to be at my cost? please explain? Are you ****ming people? I understand that if it is a normal wear and tear you are not going to cover it but how will we know without a report that you do not want to pay for? Did you not authorize for the car to be taken there and be inspected? That was my understanding, why do I have to pay for the inspection?