Lack of clarity, service and a bad attitude

I've been a loyal paying client since 2009, and in the 7 years I've been with SA Warranties, I've never experienced problems relating to any claim (call center & sales excluded, because queries and calls go unanswered for too long). On 16 March my starter motor needed repair, and this claim was processed successfully, without issue. On 15 April, my car begin giving warning of a cooling/heating problem, and I noticed a leak under the carriage. On 16 April I took her to the SP which I was referred to by SA Warranties, for an assessment. I was told the same day that the water pump needs replacement. I was later informed that SA Warranties has declined payment of this claim, as they are treating it as \one occurrence"with the starter motor repair from a month prior - two mutually exclusive and TOTALLY unrelated problems?! I queried this with the relevant department"