Dissatisfaction

What a total disappointment..their claim process is sh*t...took my car to a dealer as it had a funny noise and the total quote came to about R16000 and they only approved R5000 ,and guess what?not because they don’t cover the parts or I have exhausted my funds but simply because the maximum they cover is R5000.like why would you say you’ll cover my engine for R35000 when I can only get R5000 per claim from it?when the lady from 3rd base asked if it will be okay to do separate claims then,the agent said it might get declined because they’ll say I used the car knowing that it had a problem, meaning I have to pay the remaining R11000...where am I gonna get that kind of amount when I’m paying every month for a warranty?what am I paying for?i have to buy a high pressure something for R5000 when I have R5000 that I have not used for fuel systems?can somebody please make me understand!