Terrible service.

I took out a vaps policy under MFC underwriten by Innovation Group for a car warranty when i bought my car. Before i took delivery of the vehicle at the dealership the vehicle went for a major service with a RMI appoved workshop as required from they policy wording. I submitted a claim as my car had a mechanical breakdown due to the fly wheel and clutch however my claim was rejected due wear and tear so my dispute is if it was normal wear and tear why was it not picked up from my last service that my fly wheel and clutch need to be replaced??? And i would have replaced them. Not to mention that i was given the run around just to enquire about my claim i was transferred to a number of departments and none of them took accountability of the matter.