Useless extended warranty service

I joined their previous warranty on my kia cerato koup 2012 currently @77000+ mileage in May 2019 it was less than that,I have been paying since then until I had a breakdown in 17 January 2020

I towed the to Ermelo and called them they sent me a list of workshop they work with around Ermelo unfortunately Kia and Hyundai as dealers they do not do the repairs only services.only Africa Auto Master out of the list was doing engine repairs.

I called the insurer and explained they said I should take it to Africa Auto master,they wanted an email authorizing them to strip and quote the engine and I did send the email to the garage.Failure report was sent the engine had seized on crankshaft bearings which might have been caused by low oil pressure as per the workshop analysis.the price was +R71k including the replacement of the other parts in the engine even though they did not fail.

They called innovation group to load the claim on my behalf and the insurer sent me an sms with claim number 436125 registered under my name, same day another claim number 436116 registered under my name I got confused why two claim numbers.

When call following up on the claim they told me that the insurance will only pay R19k of which I did not have a problem with that,I aked them if the claim is approved or successful they told me that its not because the workshop Africa Auto Master is offering 6 months guarantee after repairs and that is against their requirements of 12 months guarantee after repairs.but if I agree with the 6 months guarantee I will need to carry the other 6 months on my own.

I highly disagreed with that as well hence they never told me that where they told me to send my car its 6 months guarantee after repairs.remember I never chosen that garage but it was the only one available out of that list they sent to me.

So the consultant told me that he will ask his supervisor to call me because that's the procedure says that I have to carry the remaining 6 months for them to approve the claim where they were going to pay R19k out of R71k.

I took my car from Africa Auto Master and paid them R4204.54 for stripping and quote because I was not going to pay so much money and get 6 months guarantee No!.

What I hate the most is that through the policy documents or website they listed all the reasons that could lead to your claim not being approved or rejected they never mention the guarantee and they are the one who chose that garage not me,I asked Africa Auto master if it's for the first time they are experiencing this problem with this insurance they said no they always fight with them.

The insurance told me that another options for me was to take the car to Secunda or Witbank, then I asked who will pay the money for stripping at Africa auto Master?,they said I should pay that money. if I do simple mathematics it simple meant that the R19k they were going to pay was just going to cover the towing costs and the ups and downs of the car,then I will pay for the repairs.

This simple meant that I have joined innovation group warranty service paying them R154.54 pm for them to choose the wrong garage with a short guarantee after repairs which does not meet their requirements as an insurer and for me to incur useless costs.

I must say I felt very stupid after paying them to help me when I am in need, but they decided to fool me by telling me where to send my car after all I had to pay everything on my own.

Never ever trust this innovation group people they are useless.