Innovations reject claim again - on basis that isnt substantial

pathetic service once again. Lodged a claim on my 2nd vehicle which has its own Policy with Innovations(MotorMend). The vehicle was misfiring and went into BMW. The issue was a coil pack. Cost of repair to replace it was R1700. Innovations first stated that they needed to send an Assessor for it. Waited 3 days before he got to the dealership. He rejected the claim on the basis that BMW had replaced the part before he can assess it. Although BMW had submitted a diagnostics report with a time stamp and have the old part. This is 5 minute job , but he refused for them to put back the old damaged part for him to verify regardless of part numbers that are logged and verified diagnostics report. Now im suddenly placed as a high risk individual as over the last 6 years i have had 5 claims to date. Innovations are selling a product that caters for vehicles that are not older than 15 years old and no more than 300 000kms..right? or am i missing something? waste of time an d money. Its now almost 2 weeks that have passed where im without a vehicle and having to spend money to arrange alternate transport. The matter was escalated to Andre at Innovations who in tern rejected the claim. They only send out an assessor if the repair cost is more than R3000. but this is now ridiculous!. The matter has been re-escalated to Andre and Shaun hence the time wasting and wait for my vehicle to be released and now having to spend more money on alternate transport for a 5 minute job!I think BMW should reject and advise against this warranty to all their customers. I have brought this to light at SMG. what a waste of money on this policy. Innovations should not claim that you can take out a policy with a car thats within 15yrs of age and less than 300 000 kms old if they look for every loophole not to pay a repair claim. Consumers, watch out for this waaranty. They used to be one of the best amongst all the others that offer this. But now they just the same over the years. Quick to sell you a product and deduct on time monthly, but look for ways not to pay if you claim. Consumers are not taken into account but rather their profit and loss margins.