My extremely unpleasant experience with Innovation Group Extended Warranty

My extremely unpleasant experience with Innovation Group! I was sold dreams and wasted my money paying this company for services that were never going to be rendered. Innovation Group are a bunch of ****** that sell you an extended warranty plan to give you peace of mind and then do not keep to their end of the agreement when there is a claim that needs to be paid. They try find different issues for their rejection until they have one they feel you cannot dispute. I signed a contract for Extended warranty with Innovation Group a few months before my Dealership warranty expired(Expiry date 20/11/2016).The agreement stated that the contract would be in effect from this day and i will be covered for 2 years( due by 20/11/2018). I paid all monthly installments without fail on the agreed date. My car broke down on Friday, 02/11/2018 due to a clutch failure and i immediately reported the matter to Innovation Group. The first red flag was when i had to wait for several hours because of an administration mistake from their side- they told me that my extended warrant expired a day before(01/11/2018) which was not true . I sent through the proof and they took hours for the update to reflect on their side. They told me to take the car to the nearest Ford dealer and by the time i arrived there it was already late for the assessment to be conducted on that day. Ford sent a quote to Innovation Group on Monday-05/11/2018 before 1pm. Innovation Group failed to provide an authorisation decision at that point citing gliches on my service frequency and they "apparently" escalated the matter. After 3pm on the same day, the dealership called again to follow up on the authorization decision and this time it was no longer the issue with service frequency . They asked for all line items on the quote and total amounts which were provided. They then requested pictures of the Clutch because they wanted to do their own assessment of the problem.The relevant information and pictures were sent by the dealership to Innovation Group in order to have the claim processed. 13/11/2018 innovation sent me a REJECTION as "the pictures shows that the clutch is worn out". This was the first issue I had with my clutch since buying the car- No issues were picked up during the last service and now it's my fault "because i should have predicted that this would be worn out"! Now i have to pay over R10k to have this fixed because Innovation Group won't take responsibility. I am fuming. I am angry for believing that this company would give me the comfort i needed after my warranty expired! What a waste of money!