Engine Malfunction

I purchased a brand new 2015 Ford Fiesta ST from Fury Ford in Sandton. The vehicle to date has only been serviced at Ford. When the warranty expired in 2018 I took all my savings and purchased a maintenance plan from Ford with Eqstra being the underwriter.The car has approx. 49 000km on it and the engine malfunctioned on 21.10.2021.Whilst driving the engine just cut out and refused to start. Ford wants 90k from me to replace the engine which I cannot afford. Surely this is a factory fault based on the mileage, full Ford service history, no modifications, accident damage or negligence. after contacting ford sa they insist that I pay the stripping fee of 10K to see that damage caused by their product. no call back assistance from team leads or managers. not even the MD from the company.