Dont understand why Claim was rejected

12 june 2015 i bought a 2015 ford focus 1.0 ecoboost at Umngeni ford durban, was advised by the F&I manager to take out maintenance(Innovation) & service plan plus tyre and minor dents policy so i did all of that, on the 02/02/2016 my car had a problem which i assumed was clutch related took it to Umngeni ford where it was test driven and i was told its a gearbox problem and that i could still drive the car while they were ordering parts and that warranty would cover the cost, drove the car around until it got worse thats when i took it to Ford Bluff, they took the car apart and said that the clutch was burnt, told them to claim from either warranty or maintenance as they where all still active and up to date, thats when i was told by the warranty that i would not be covered because it was not their fault the clutch was burnt, i tried to claim from Innovation maintenance they rejected me telling me they would not pay me out because i still had warranty. I was then compelled to pay R21 711.11. i am very disappointed and hurt because i was under the impression that i was paying maintenance plan for them to cover me under such circumstances as mentioned by them.