I have mechanical warranty but my car won't be fixed

<p>A week ago I noticed on the display of my car there was a light I then contacted the car dealership and was advised that the Intercooler has cracked. I then called Innovation group as I have a warranty with them and I was advised my claim was rejceted because the car delaership say my car bumped onto something and I must take it up with the dealership. It is stange because they say the car could have been in the accident of which that not the case and if it was I can't claim from the waranty as I have car insurance for accident and If i had bumped the car onto something why will it crack the cooler and nothing else on the car. It worrying that we take up these waranties but when it come to claimimg then they come up with all sorts of reason that you cannot be paid out. And the fact that the sales consultant has never told any of these when the waranty was sold to me, Well maybe I should have expected this from this company because they even cancelled my service plan without even notifying me. </p>