Pathetic, disgusting customer service

I have taken out extended motor warranty from InsureAfrica when purchasing the vehicle in June 2014. In December 2014 the vehicle suddenly stopped and was taken to the repairer. It was discovered that the stoppage was as a result of cambelt having broken the teeth. I submitted the claim to the insurer and was repudiated, and their reason was that they do not cover for cambelt failure because the vehicle was not being serviced without checking with us whether the vehicle was being serviced. Upon presenting proof of service they still maintain their decision not to cover cambelt because there is not damage to the engine. However, their policy does not mention that the engine should be damaged before they pay for cambelt. It is very confusing to find a consultant, like Claus, not being able to interpret their own policy wording were he constantly contradict himself. It does not look like he knows what he is doing, and is a disgrace for InsureAfrica. With this kind of service, I would definitely not recommend anyone to take this insurance. Insure Africa is a complete joke.