M-sure is very reluctant when it comes to approving for claims

Since I joined M-sure they have never paid any of my claims, my claim is coming to an end in August yet everytime I try to claim I am told different stories. I am on Mechanical breakdown and electrical failure plan , 2024 I had a left rear speed sensor damaged, I tried to claim it was declined saying I am not covered for that. Last year November I tried to claim for my braking system, mind you their T&Cs pdf which they sent me stated clearly that they do cover for the braking system but the claim was also declined and this time I was told I do not have any maintenance plan with them, I only have a service plan which is with liquid capital, Now I am calling in for service plan claim they telling me my claim has expired for service last year and I am now only left with maintenance plan which is with M-sure, the very same plan that they told me I don’t have last year when I was trying to claim for braking service. That time I am still paying the same installment as last year yet my service has expired.