King price insurance

My cars gearbox brake a Volkswagen touran the lady who assisted me is charmaine and her service is excellent but my claim is not approved or my car is not fixed yet because I have two motor warranty policies on this vehicle because the vehicle parts is very expensive and both insurance must first decide who is going to pay what but a manager from charmaine contacted me with a very bad attitude and it seems I'm lying about my claim because my car drove not so much kilometers after the last service and I explain to him i work everyday with a police vehicle and have another vehicle that i drive and then he came with a attitude that my car was broken before where is my proof because he said the other insurance told him that and I said to him I fixed that problem out of my own pocket and it was not a big problem and that was before the policy started and that's why I took the motor warranty by them but then he started to say they will never pay out and I said I will go see a lawyer about this he said u can go anywhere that's nothing to do with him and I got very angry and put the phone down and I phoned charmaine again what's the problem then she said she dont know who contacted me because she is working with the claim but this guy had all my information.The fact is I pay every month my installments and the car is at a gearbox centre that confirm that the gearbox have a problem but I dont know how can people treat u like u are a **** and dont want to pay out now that the car is broken but every month they get the payment.i dont know this guys name but he is working for king price and his customer service is ****in very bad