Mini cooper motor plan Claim

I am extremely disappointed with the mini motor plan service, they declined my claim for clutch replacement due to "bad driving", they don't even explain what bad driving is or what caused it, i drive a manual car and get stuck in the sandton traffic on the daily of which i am forced to used the clutch, mind you this clutch was replaced 10 months ago.

this is not my first car before then i was driving a chevrolet for 3 years(same driving style) never had a clutch problem, and now mini motor plan want to tell me that my driving is bad hence the clutch failure because they don't want to pay the claim.they don't even tell me exactly what i did wrong, now i have to pay myself for the clutch and go back to the same driving style which according to them is bad, that means every year i will be buying a clutch while i have a motor plan which is just useless.

the decline reason doesn't make sense to me, i drive a manual car meaning i have to use the clutch, i get stuck in traffic meaning i have to use the clutch, where must i drive then or should i just park the car to avoid using the clutch?

you don't even try and meet your clients halfway,