Innovation group - extended warranty and maintenance plan lies

When buying a new vehicle be careful very careful before you agree to taking out the extended maintenance and warranty plans. They promise you the moon and the stars yet when it comes to the claiming process they are full of excuses. In January 2015 I purchased a brand new Ford Eco sport. I was then told of how great this product is as for the next five years i will be covered and it wont cost me an extra cent, should the service require additional parts etc. I was told from nuts, bolts, grease , oil whatever the part etc etc I would be covered without paying anything additional as long as it falls within the five years and 100 000 km. For this luxury and (false) peace of mind i then paid R22 851.75 for the extended maintenance plan and R4929.82 for the extended warranty. That makes an additional R 27 781.57. Fast forward to 8 November 2019, i take my ford into ford for its 100 000km major service which includes amongst other things the cam belt etc. Just to be told by the innovation group that they will not cover the drive belt kit or the bolt, for which i now have to fork out an additional R 1118.00 odd rand. This all because Themba at the innovation group believes that its not required, if its not required why would Ford then want to replace it? I take my vehicle to Ford and expect them to do the necessary service as per what they are experienced at. Themba recons its only necessarily to do that @ the 120 000km service which then obviously falls without this km range and in my pocket. Why if Ford deems it is necessary to replace the cam belt and associated parts would the innovation group decide otherwise. Now i have to pay for the R1 118.00 OUT OF MY UN- BUDGETED POCKET. Thank you for nothing Innovation group. Rest assured when i trade my vehicle in for a new one next year that i will NOT be bought into your lies again. Rather take out a 30 day savings plan. Add R500 to that monthly and when the time is required i will have the funds. At least i know what i am saving for as opposed to taking out a false peace of mind extended maintenance plan or extended warranty. DO NOT BELIEVE THE innovation group AS THEY WILL NOT LIVE UP TO THEIR PROMISE ITS ALL FALSE. You will end up having additional un-budgeted for out of pocket expenses. Rather make your own plan that you can control.