Claim declined

I claimed for the gearbox breakdown in December 2024. March 2025 , the was a claim for internal bearings on the same gearbox and it was declined. But under my policy wording, it should be covered. 4 Further or Additional Loss Cover When will a claim be covered?  Where the damage or loss to a covered component is caused by the failure of a covered component, the higher of the two benefits will apply.  Where the damage or loss to a non-covered component is caused by the failure of a covered component, only the benefit of the covered component will apply.  Where the damage or loss to a covered component is caused by the failure of a non-covered component, the failure will be covered under the covered component benefit.