Repair Claim rejected due to item "not covered". Agreement lists it as covered!

Good day,

This company that I have an agreement with and religiously pay monthly, rejected my claim for part that they claimed was not covered. This company is you and the list on my agreement seems to disagree.

On the 2nd of January 2017, I delivered my car to a BMW Dealership for the following problems: • Inside lighting off • Window winders not working • Indicators and hazards not working • Not able to control the lights (headlights, indicator lights and fog-lights) • Onboard computer not working

Basically none of the electronics inside the car and the controls worked

The only thing working was the radio, and the speedometer.

The Dealership told me that this had to do with a fried Footwell Module which was estimated to cost R8883.93.

The insurer refused to pay for this because of the following reasons: • Maintenance Plan expired on the 31ST of December to which I responded that I had brought the car in on the 2nd of January 2018, the 1st day on which the dealership could open for the diagnosis. I had called BMW on Call on the 29th of December 2017 initially. • The Footwell module was not covered under the agreement. It controls the items that did not work as above.

The following were covered as per agreement: • Fuses and Globes • Alternator • Window Winder Mechanisms • Management System – engine and transmission control unit • Electrical Components • Engine Sensors, lambda sensors and abs units • Door locks, boot locks, electronic ignitions

Surely the cost of replacing this module is covered above. It forms part of all of the components that did not work. If not covered, how am I supposed to know that it is not covered so that I can mitigate?

I feel like I have been ******** and I feel like a premium ATM rather than a customer

Regards, Siliziwe Mafika