Motorite Warranty ****.

I'm very disappointed by my experience with the FNB First Warranty which is administered by Motorite Administrators. I claimed for a warranty insurance, the mechanic's quotation is R49 281,50 for a clutch kit and mechatronics to be replaced. Shockingly the insurance says it'll only able to pay R7 000 for mechatronics and R2500 for a clutch kit which is a total of R9500, now I have to pay R39 781.50 from my pocket. Where am I going to get R39 781.50 from? This is a disgrace as we join these insurances hoping to be assisted in such times of need also knowing that we don't have that kind of money idling waiting for such emergencies. These companies are a **** and ripping people off. This is the same as me fixing the car with my own money, yet I joined and insurance hoping to be assisted when in need. Something must be done with these *****sters of insurances, when they advertise, they claim they'll help should one need such services. Only to find a different story when in need of their help after joining.