Innovation Group Rejects Claim

I purchased a vehicle in December 2020 and took a warranty policy by Innovation Group. In March the vehicle provided issues and during inspection by mechanic, it was a burnt valve. A claim was put through, and the response was the policy does not cover "modified vehicles". This vehicle was purchase through MFC as is and claim rejected due to a after market air filter which I did not install in the first place as the car was purchased with the filter already installed.

I've been without a vehicle for about a month and has really had a negative impact. I do not have the funds out of my pocket to pay for this. I took out the policy so that I can be covered should the vehicle provide any issues in future. Unfortunately, an issue arrived early which was unexpected. I urgently need my car back as it is an inconvenience.