Claim for car warranty wrongly declined by Dotsure

I would like your help with Dotsure. I joined Dotsure a year ago, and chose the car warranty option. They had said that it covers up to R 40 000 worth of damages that may happen with the car parts. In May 2026, my clutch got damaged/burned they then declined my claim for a new clutch, stating that they would not cover a burned clutch. I had to pay R 10 500 out of my own pocket. I feel this is very unfair as I had paid been paying my monthly premiums with the knowledge that this would protect me in the event of an emergency such as this one. Please kindly assist me with recovering my premiums as I did not get what I was promised.