WARRANTY BOOSTER/ BUMPER2BUMPER COVER

my car was towed due to mechanical breakdown. i called road assist and there were very helpful. the dealer identified the matter and it was clutch. claim was made to M-SURE but unfortunately it was not successful. the guy (KERWIN)who was dealing with my claim , told me that he don't understand why i was given the policy because my car it is still under manufacturer warranty. he further told me that he will ask sales department to get clarity. he never bothered to get back to me. after a week i called and request to talk to him and he told the person that he will talk to me only after he got response from sales team. sales team leader (TEBOGO) called me trying to twist the T&Cs under contract by saying clutch falls under wear and tear; also mention that policy have 24 months waiting period; lastly he said my car will only be covered after 7 years based on HYUNDAI warranty. all this was never stated on the contract. i asked about one line under T&Cs that says' any components that are still covered by the manufacturer's or supplier's warranty at the time of the mechanical breakdown or electrical failure' not covered. this means my clutch its covered since its warranty ended. Tebogo never wanted to reply on that. he further state that if i want to cancel i can go ahead , he promised that my premium will be paid back. i was shocked that what kind of advice is that, this means there no honesty. i have sent an email to complain, no response. i immediately knew that my claim will never be approved. i took out this policy to make my life easier .when we go through T&Cs, why all of the sudden the option i am given is get my premiums back? this shows they disputing my claim due to incompetency and negligence from their end. they are so unprofessional from call center to management because no one is willing to give me valid reason. i feel like this is more like a ****, twisting T&Cs upon claim that was a wrong move. LIQUID CAPITAL and M-SURE you such a disappointment. Warranty booster/Bumper2Bumper cover its a ****.