Maintenance Cover that is ****

I am absolutely shocked with Miway, I was sold Maintenance insurance a value added service and when my Cooling fan needed replacement they said that this part was not covered. It says Cooling system covered but only two components covered. As a layman, I don't know the different components that a car comprises of. Therefore I sought advise from the experts, well thats what we assumed they were. I will not use them and use other insurers who provide better service. I am at a loss of R20 000 after paying R199 per month for a few years, plus my car premium.