The cover I'm on was supposed to cover overheated and Towing, but after I had a breakdown I called machine to tow and check what was the problem

The cover I'm on was supposed to cover overheated and Towing, but after I had a breakdown I called machine to tow and check what was the problem. And he came and towed Vehicle to our workshop due to overheated. And they found is follow: We have pressure tested a Radiator – found the leaks from the Water Pump. Cause : water pump faulty – mechanical failure . Remady : We need to replace Water pump And water pump wasn't covered but but towing was covered, so I had to pay towing from my own pocket. So what they say is empty.