bad service, not transparent as clutch is covered by the components but when having to pay it rejected

I am writing to express my dissatisfaction and concern regarding the policy I acquired from the Innovation Group, underwritten by ABSA, to cover mechanical issues for my vehicle. On January 2024, I encountered a mechanical issue with my vehicle, specifically related to the clutch kit, for which I sought assistance from an approved dealer, expecting coverage as per the terms of my policy. To my dismay, I was informed that the coverage provided by the policy does not cover my clutch kit and it known as tear and wear . This unexpected financial burden has not only caused immense strain but has also had a detrimental impact on my financial well-being. Upon purchasing the policy, my understanding was that I would be covered for such mechanical issues, with the belief that the terms and conditions were adequately disclosed upfront. However, it has become evident that crucial terms affecting coverage were not transparently communicated during the policy acquisition process. Had I been made aware of these undisclosed terms and conditions, I would have made a more informed decision regarding the policy. This situation has left me in a state of financial distress, requiring me to take out a loan to cover the costs not covered by the policy. I believe that the non-disclosure of critical terms has significantly affected my ability to make informed decisions about my coverage and has resulted in an unforeseen financial burden. I urge you to thoroughly investigate this matter and review the terms of my policy acquisition to rectify this issue. I request a full review of the circumstances surrounding the non-disclosure of these crucial terms and a reassessment of the coverage provided to me under my policy. I trust that you will take prompt action to address this issue and provide a satisfactory resolution.