Motor Plan Claim taken out thru Mi Way

Good day I have a motor plan with Mi way. I had a bad experience one evening on my way home from work my car in the middle of driving home my car lost spead and the fastest it was driving was between 30-40kmp. because it was late I drove straight home and the next day called Mi way to have my car towed to a mechanical workshop. there reply was I have to have the car towed and they will reimburse the charges after the claim is approved. I thought this was not acceptable. The reason for me having an insurance and a motor plan is if any thing should happen to my car at any time the insurance should sort it out. after a few days and after a few e-mails they finaly decided to pay for the towing upfront. I received a quotation for the fixing of my car, submitted the quotation to Mi way and was told the part that needs to be replaced is not part of my cover. How do I or anyone out there know we have to check if all the parts in your car is not covered. especially if it is not a part you look at service intervals.... must everyone out there list all the parts you need to have ensured? I have never claimed on my motor plan and this is my first claim how is this possible. I had to borrow transport to be able to get to work and collect my son if no car was available I had to use alternative transport. How can this be correct.

When they want you to take out an insurance or a motor plan they promise you everything and the kitchen sink when it is time to claim things change.

is it really worth it to have a motor plan? I now have my doubts ......

Thank you

***mieda