Claim Paying Avoidance

Roughly 2 years ago, I tried to claim repairs for failure of the brake booster on my car. To cut a long story short, it eventually took nearly 2 months to get the approval and repairs done through M-Sure. (R3500) We had no car for this entire time.

So Recently, I had a gearbox issue on the same vehicle and realised there was no way I could wait 2 months again, so I had the repairs done urgently through an RMI accredited workshop. Paid for the repairs myself and submitted a claim for reimbur*****t after the job was done.

After M-Sure requested the usual proof of services, fault report and pictures of the damaged parts (all provided), again 2 months later I get the 'Sorry, pre-authorisation was not granted' so your claim has been repudiated... :)

Why would anyone pay the premiums for the cover for this lack of service, lack of delivery and pathetic attitude by a company like M-Sure ?