Mechanical Breakdown Insurance that does not pay

<p>When buying my pre-owned car through ABSA vehicle finance in 2012 I was introduced to the ABSA Monthly Mechanical Breakdown Insurance policy administered by the Innovation Group. Never did I claim against this policy and extended the policy twice (October 2014 and June 2017). All services are up to date. On 28 July 2017 I took my car to the dealer after experiencing a loud grounding sound comming from the engine.</p> <p> </p> <p>The dealer informed me that the Drive Belt, Tension Roller and Crank Pulley should be replaced. After checking my policy and noticing that the following components are specified as covered ("Drive Pulleys: Crankshaft, camshaft, tensioners, and jockey pulleys are covered in the event of mechanical failure") I was simply informed by the Claims Department that the replacement of the Drive Belt, Tension Roller and Crank Pulley is not covered under my policy. The dealer also submitted a claim for the Crank Pulley which was simply denied.</p> <p>On 31 July 2017 I forwarded an email to the Customer Care Department of Innovation Group requesting reasons why the Claims Department says the Tension Roller and Crank Pulley is not covered if my policy state otherwise. Until now no feedback was received.</p> <p>Why should I contribute to a policy that does not pay when you need it. Feels as though the consultants in the Claim Department are coached to say that the parts are not covered without making sure what your policy state.</p> <p>Very dissapointed. Will never take up the offer again for this type of insurance administered by the Innovation Group.</p>