Bmw 325i

I bought a 325i bmw from Barloworld toyota( automark) in march of 2014. A motor warranty was taken out on the vehicle wich we pay for monthly. A strange knocking noise started in the engine. So i took it to Auto atlantic in cape town. I was informed that it was engine sludge. Bmw phoned motorite for the claim on damages on the engine. Remember the warranty is for two years i had the car for eleven months and it still was 11000 km from its normal service. This was beginning end of january 2015. Four weeks.on after a battle i was informed that they were not going to cover the quoted amount for repairs wich is R45000.00. They were only going to cover R12000. Up to today no one from motorite contacted me and stated the reason for the decline of the quote. What should i do????? Nowhere in the documentation does it state that they dont cover engine sludge and damages incured thereof. Are we as clients no valueble enough to be considered. This is a very stressfull situation i find myself in and loss all trust in the above companies mentioned. There is total disregard for the client and there needs. I also need to pay +-R4500 for the labour to disassemble the engine. But i did not say yes.