Rejected Claim and Poor Service

I have submitted my claim to innovation Group and my claim was rejected and the reason was saying due to misuse. I was not happy with the outcomes so I complained to George who is working for Guardrisk that why is my claim rejected and how do i misuse my very own cheap car driving on the N1 from limpopo with my family in the car? Then George said he will re check my claim and advice. Then a manager called Clinton called me the following day and say to me Mr Sathura we will assist with your claim but we will only assist on the overheating benefit. I asked him which part of the car is it that you going to cover? Ever since my engine breakdown you haven’t done anything cause when they went to the dealer were my car was towed to by my insurance they got the engine of the car stripped at my insurance cost and they just send an Assesser and he went their and find the engine outside the car he wrote whatever he things is correct and they asked the dealer manager that how much will these damage be and the qoute was R85 000 to repair the engine so after the warranty asked for discount from the dealer then the foreman gave them a discount and the qoute went to R69 000 so after that they sit down and discuss the claim and i got an email from the innovation group that my claim has been rejected. That has frustrated me big time and i asked myself now that they declined my claim because the car is expensive to repair even after the hyundai dealership in polokwane gave the waranty a discount. The foreman of Hyndai confirmed on a phone call that they need a discount to fix the car but still after the discount the car cant be fixed and barring in mind i dont have a car to move from point A to B.

Guys please be aware once your claim is expensive to deal with innovation group and guardrisk will never entertain you with anything. How does a million company like these tells a client that they will cover me for 5000 which is for overheating?

If the car overheat it also damages the other parts as well. So innovation group is saying to that they are covering the overheating not the damage that happen when the car overheated. What language is that?

I am really disappointed and frustrated about the treatment i am getting from Innovation Group and Guardrisk. I will not give up until my car is fixed.