Guardrisk/ BMW/ Innovation Group - pothole insurance not helpful - stay away from it

I feel that BMW, Guardrisk and Innovation Group (joint insurance product) are running a **** with their pothole insurance cover. I hit a pothole and my tyre tore as result (this was certified by Tiger Wheel and Tyre). I then proceeded to get the tyre replaced with Tiger Wheel as they were the only ones who had the required tyre at the time (I urgently needed the tyre as I use run-flat tyres and don’t have a spare wheel - which is a standard BMW procedure). I then submitted a claim for refund (after being informed by their consultant on the phone that I can submit claim for refund of the tyre purchased – I have witnesses who heard the conversation). I provided (i) evidence of damage, (ii) invoice from Tiger Wheel indicating payment had been made and (iii) certification from Tiger Wheel that damage occurred as result of pothole damage. They responded asking for proof of payment, I then resent the invoice from Tiger Wheel which indicated that it had been paid. The claim was however rejected and reason was provided as “prior authorisation was not provided by the Administrator before repair work was done”. Why did the want proof of payment in the first place if this is really the reason? Why did their consultant say that they actually do refunds in such cases? It seems they will do anything they can not to pay-out in my view. Save your money and stay away from their pothole cover – It feels like one big ****.