Genric Insurances uses excuses to reject claims, do not take their product

I took Mechanical Warranty policy with Generic Insurance about a year ago. It was through cold calling and the caller was so friendly and persuasive when selling the Policy.

Conditions given to me was to services my car (with reputable Repairer) and keep in good maintenance of which I comp****.

This year my repairer dealer diagnosed Cambelt malfunctioning and said new one is needed to correct timing. I contacted Genric Insurer to claim component and was informed to send diagnosed report to claim department.

The claim was rejected because Cambelt malfunctioning does not qualify as Cambelt failure as per policy.

According to Genric Insurer, Cambelt failure as per policy includes only when Cambelt has snapped. When I ask why malfuntioning of Cambelt does not qualify as Cambelt Failure, the answer Because the car is still in motion

Genric Insurer uses excuses not to honour my claim. What was promised when taking the product is total different claim is submitted.