CLAIM REJECTED BECAUSE OF LOCKDOWN AND THAT I TESTED POSITIVE FOR COVID-19

I lodged a claim on my Tyre and Rim policy in March 2020 before the policy expires July 2020. I couldn't take the vehicle to the Tiger Wheel & Tyre because my car clutch burnt out and I took the car to Lenasia VW the same month and I informed the insurer about the incident. I collected the car and then there was a lockdown. During the lockdown the Tiger Wheel & Tyre and HiQ Tyre were closed. I got sick in May during lockdown and I tested positive for Covid-19 on the 18/06/2020. I couldn't take my car to Tiger Wheel & Tyre because I had to self isolate. I test again 28/07/2020 and the results came back positive again. The policy expired when I already lodged the claim. I have attached evidence to support my statement but they still rejected my claim. How would I take the car to Tiger Wheel and Tyre when they were closed? Was I suppose to take the car to then knowing that Im positive for Covid-19 and spread the virus?

Innovations Group management does not care about consumers. MFC gave me two months payment break on my vehicle instalment when I explained my situation but their stakeholder Innovations Group did not care and reject my claim.