INNOVATION GROUP Mechanical vehicle warranty - **** or not

Hi all. So I'm sure I am not alone in disastrous customer service received (not received) from INNOVATION GROUP. These motor warranty products are sold (paying R400 per m for 72 months for peace of mind motoring) via the F + I consultants (this case STANDARD BANK Asset Finance). Beware :- Pay, but don't ever try claim, or even get a conversant person to speak to at Innovation. Held on for 30 minutes, 3 times. Then cutoff halfway, again. So :- Engine overheats. Car is stopped and towed in to authorised repair shop. 8 weeks later engineer report comes. Engine seized due to heat sensor thermo malfunction. INNOVATION say check your policy, that's covered for R10 000 max. (seen in isolation). Damage is over R100 000 as its malfunction caused excessive damage. Big issue here is - one can understand Policy covering certain "events" to an amount. BUT if you were not negligent and this caused extensive damage to engine, WHATS THE POINT of Innovation Group mechanical warranty cover. I now hear this is VERY COMMON. Amazing neither STD Bank, F+I person, Nor dealership, Nor Innovation Group explain and point this out when you take the cover. Standard Bank asset finance aren't interested in applying pressure on Innovation Group to pay on this claim, as no doubt there are very decent commissions paid on such policies and they sell thousand per annum. They reciprocally benefit - except where a car cannot be repaired and may well be handed back to bank, with R110 000 damage owing. I don't think Innovation Group are the lone culprits, most of these policies are the same. But here's 1st hand experience - The the Buyer Beware.