IUA Business Solutions Bad Judgement

My vehicle went in for a repair on the gearbox, my warranty with BidVest handled by IUA business solutions sent out an assessor to look at what had happened to see what the claim is worth. My warranty covers gearbox for 50 000 and wear and tear 20 000, without even knowing after I had to call them I was covered double so I have 40 000. Since when only I call I find out I have double cover?? The gearbox company gave him a report clearly stating Bearing Failure and further down the report the gearbox company explained how it can happen. The assessor confirmed on email he did not look at the report reason which stated Bearing failure but took 1 word out of context from the explanation “Worn” and made my whole claim “Wear and Tear” after the report clearly state Bearing Failure. When I confronted the assessor he told me he will speak to the gearbox company and amend his report as he could not explain wear and tear on a mechanical part after the part has failed. After the owner confirmed that its a failure and not wear and tear the assessor still say wear and tear. How can the assessor tel the specialist different?

Clearly it shows that IUA business solutions is taking every step possible not to pay the full amount. Even with the gearbox company still stating its not wear and tear IUA are making their own conclusions.