Claim Declined

I took my car for service on Monday and in the evening my car broke down. Never showed me a signs. So, later that evening it wouldn't go into gears. Took it in for repairs and now I'm told that Innovation doesn't cover. Took a cover for days like these. Send an assessor then. This is such an inconvenience and now I understand why people don't see the point of an extended warranty. When the car breaks down they don't cover this and that