Pathetic Service

I have been with Innovation from Sep 2017 through Budget Insurance for mechanical warranty on my vehicle. I had a breakdown on the 25 Mr 2018 and i called Budget who towed my vehicle to the safe house and took the car to CMH Boksburg on the 27th. The dealer called to confirm that they have received the car to which i advised that i have warranty with Innovation. When they called Innovation on the 29th, they spoke to a Godfrey who confirmed that i only have gap warranty and i was amazed as i didnt even know what gap warranty was. i was then told that to strip the car alone will cos ,e just over R5000 and i told the lady i dont have that money so she said i should pay R910 and tow the car out. she gave us grace to fetch it on the 3rd April due to the long holiday. on the 3rd as i was about to have the car towed i got a call from a lady from telesure saying she apologises for the inconvenience but that Godfrey gave out incomplete information and that i had warranty and gap cover. i told her i was about to have the car towed out to which she said i shouldnt they will take care of it. she further said the dealership will call me to get authorisation for strip and quote. the dealer called and i did as instructed and gave them authorisation. so on the 6th the the dealer sent a quotation for R38000 and Innovation said they can cover up to R6000 as they dont cover other components. so i told them i dont have this money so i was told the other option i have is to tow it out and pay R6399.75 for the strip and quote. but i didnt ask for this???? i told them i will tow it out for R910 as i couldntt afford the strip fee and now i a forced to pay it. where am i supposed to get this money from? i am totally unhappy with Innpvation and i so wish everyone could know about this, the claims department never answers their phone as well