Car key claim

Complain regarding the claim that I did with dotsure. I submitted all required information regarding the claim but to my surprise the claim was rejected. The claim was rejected because the dealership did not explain in detail as to what happened but the insurance failed to call the dealership to get clarity regarding the report. Only when I call to get reason as to why it was rejected now am I told they will call the insurance to get clarification. After the clarification from the dealership, now I am told of the wear and tear. I will to understand how insurance proves wear and tear and I only went once to the dealership regarding the key. I would like to be paid the money I paid for the diagnosis report that the insurance requested and I will also request that the car key be replaced as it stated that it is covered .