Worst Motor Warranty Insurance EVER!!

I have taken out a policy on a Pre-Owned Mechanical Breakdown Warranty - whilst in Kgalagadi in Northern Cape with Extreme temperatures of 45 deg C I received multiple warning lights on my dash board - one of which related to having my Power Steering Serviced.

Being holidays I only returned on the 30th - my car has lost all power steering and I was driving back without any power steering - on 29th I manage to secure a booking at the only JEEP authorised dealer in Tshwane to look at the problem!

They informed me the pump needed replacement and that they only had one in stock - as I needed my car the next day.

No this so called policy guys tell me that no claim, will be paid out unless it is preauthorised - I went to the only authorised JEEP dealer in Gauteng - the cost of the pump was R16000, the insurance paid out maximum R4000, and even that they refuse to pay.

If you are in an emergency and need a part replaced, say I was stuck in Khalagadi - no cell phone reception etc - if I replaced the part then -youwill not be able to claim back!!

PLEASE AVOID THIS POLICY IT IS A **** _AND ABSOLUTELY USELESS!!!

I took it in on 2 January 2017 and I was told around 11am that the power steering can not be serviced but it needed to have the pump replaced