Impossible to claim and not worth it

I have had this policy for more than 5 years and to date I could not claim. If it is not wording that causes a rejection like "steering angle sensor" instead of "steering angle column" then its requesting pictures of something that cannot be seen. The latter relating to a timing chain, for example. The request is that the car be stripped, and pictures sent of the worn timing chain - now how will they be able to see a 1/2cm lag on a timing chain in a picture? The service providers must be RMI registered and bound by a Code of Conduct/Ethics, but their expert opinion is not considered. Also, most service providers refuse to deal with policies like this due to all the time spent on calls, motivations and emails (administrative), some are even charging a R2000 admin fee when you want to claim from a policy. And who is left with the admin bill when a claim is rejected for reasons like above or the customer is left to pay for repairs since the vehicle has already been stripped and the service provider will not release the vehicle without payment... The consultants or the policy requirements are theory related with no practical experience. In addition to this, the amounts allocated per item will negate you when you have a high market as opposed to a lower value vehicle - like a Mercedes vs Polo for instance relating to the costs of parts/repairs. This policy has been a waste of my money, and I will not recommend it at all. However, I am still paying it in the hope that I might succeed with at least one claim before I cancel it due to the money invested in it over the past "far too many" years.