Approved claim becomes declined,

Audi A4 SLine.Few phone calls later and car is mine. Well now comes the insurance part, and the F and I lady suggest a mechanical insurance. Finally pay the R16000 for peace of mind motoring. Fly to Durban to pickup car as i reside in Port Elizabeth. I decided to go to JHB first for some business . Back to PE 4000km on the clock, Well being Monday on my way to work i hear this whining noise, Drop the car of at my service center turns out to be the turbo. Hmm good thing i got mechanical Ins. Call Sa Warranties give them a description what happened claim is authorized just need to sign the disclaimer that i will use my preferred repairer. I get a call from the repair stating claim has been declined. They will be sending out an assessor to view damage. Turns out im present when assessment is done. Claim declined. Well the short of the story is a turbo mounting bracket broke off causing damage to the turbo. Assessor focuses more on damaged turbo not the cause Sa warranty am i not covered when i sign the contract. Well reply is is defective failed part when i bought the car. So i managed to travel 4000km with a broken car. Hm strange that after owning over 50 cars i would buy a broken 1