Avoid Innovation Group at all times!!!!!!

I bought a Nissan Navara in Jul 2015 from BB Auto.They sold me a warranty from Innovation group (policy number 40416MAF).In Jan 16 I experienced some problems with my clutch that needed to be repaired.The claims departmnet at Innovation told me that my policy is on hold...I eventually found out that I could not have this policy (even though I already paid for it upfront) because my vehicle had more than 100,000km on upon purchase.I then cancelled this policy and took out new policies with Innovation (MS240256 and ME440060) and was promised that they will sort out my claim.I was just advised that my claim is rejected again because apparently they dont cover wear and tear so what exactly do you cover for a clutch please explain to me?I am taking this matter up with the ombudsman and I want a full refund for my policy that I have paid for that means nothing with you **********.AVOID INNOVATION GROUP THEY ARE QUICK TO TAKE MONEY BUT THEY DONT DELIVER JUST LIKE ALL OTHER WARRANTEE COMPANIES.Their call centre is just as useless with the incompetant staff that you have to sit for over an over to explain a claim and what happened.Useless useless useless Innovation