Very bad insurance

I took EXTENDED WARRANTY with INNOVATION GROUP when i bought my Bmw in January 2020. Its all paid up for 2 years, on the 8 July i took my car to Bloemfontein BMW for repairs and i was charged R35000, Bmw send the claim with quotation. They rep**** telling Bmw that they will only pay R8000, im very disapponinted i never expected to get such a service from them. The day i took my car in for repairs i called them asking if they gonna pay Bmw for repairs on the engine as it is licking water and little bit of oil. They said the car engine is covered for R40000, they did not keep their promises and their service is stinking.