Claim rejected by Innovation group

I have an Auto and General Mechanical breakdown warranty that is administrated through Innovation group. Recently my clutch packed up and I sent my car in to the dealership for them to see what's wrong. The dealership advised that the clutch was deteriorated through wear and tear and was advised that Innovation group wont pay out towards the covered component.

As stipulated in section 2 of my policy, fair wear and tear is covered. "Fair wear and tear is covered by your policy. Fair wear and tear is defined as deterioration through use and age that DOES result in mechanical failure". In my case this is exactly what happened. Due to the clutch failing my car was unable to drive. I even had to tow my car to the dealership.

This was an unforeseen event which I believe falls under wear and tear and I would like my query claim to be revised