Reap off form motorite

I have bought panel van last year August 2023 and took an extended motorite plan and according to my understanding as long the car still under motor plan whatever happens mechanically it is covered, however not in my case , the panel van has a problem with fuel filter and handbrake I book it to Ford as usual, unfortunately I've received an email from Ford with a huge qoutation stating that motorite doesn't cover those things . And in January I took the car to the same garage for service I can't be complaining about fuel filter if the car was there in January for service something doesn't add up between ford and motorite