Think twice before taking out a dotsure mechanical warantee

Good day, In 2023 i bought a Volvo xc 60 2015 awd, I decided to take out a policy on the car for mechanical breakdowns it has been a year and a half now, the car had all its services done at Volvo and in December 2023 when i took it for a service thy said that I must have a look at my front side shafts as they are starting to show wear and tear, now in April I realised that there is a strange sound on the side shaft and submitted a claim to repair, before it actually damages much more on a breakdown with much higher costs. without 'I feel' a valid reason from them they just rejected my claim. I feel that Dotsure is just there to take money and not really there to help when you need it. Should the sideshafts break it will cause much more damages as to replace them now. I mean with plus minus R400 per month for a year and a half is not good standard to just reject a claim