M-SURE, HOLLARD, LIQUID VEHICLE FINANCE credit shortfall warranty

M-SURE, HOLLARD AND LIQUID VEHICLE FINANCE sold me a creditshortfall cover which was part of the package when I purchased the car. They sold me lies. M-SURE is rejecting my claim stating that "my vehicle was not used for what it was intended for". According to their the policy documents that I recently saw, it states that "I will be coverd if my comprehensive motor insurer rejects my claim due to my unintentional failure to comply with a policy condition". But now M-SURE is using my 'unintentional failure' to reject my claim.

Socondly they are referring me to policy documents which was never shared or explained to me as I now had to look for their policy terms and conditions myself. Now M-SURE AND HOLLARD are telling me that "it lies with me as the customer to make sure that I understand the policy terms and conditions". But my question is how am I going to know if I understand or if I don't understand what was never explained to me. I advise everyone to make sure when you buy your car to never accept these M-SURE people, they are ****ming south African people