Exploitative: - MVIA Insure

I have a policy with this company and I have experienced nothing but frustration on my first claim with them. My vehicle overheated and a result I took it to one of their approved mechanics to be fixed. The Technician completed a report on their request and sent it to their claims department. After a couple of back and forth emails the claims was subsequently approved, however they only approved a small portion of the claim. On my policy documents the following items are covered: COVER DETAILS Sasria Cover : No Class of Use : Business Use Under factory warranty : No Plan Name : *Plan 4 Excess Waiver : Yes ADDITIONAL RISK INFORMATION Previous Breakdowns : No Full Service History : Yes EXTENSION OF COVER Taken Engine : Yes 40 000 - Gearbox : Yes 20 000 - Differential : Yes 20 000 - Differential Lock : Yes 20 000 - Transfer Box : Yes 20 000 - Turbo Assembly : Yes 10 000 - Management System : Yes 10 000 - Casings : Yes 3 000 - Electronic Ignition : Yes 8 000 - Air-Conditioner : Yes 6 000 - Cooling System : Yes 6 000 - Suspension : Yes 6 000 - Wheel Bearings : Yes 6 000 - Braking System : Yes 6 000 - Fuel System : Yes 8 000 - Electrical Components : Yes 8 000 - Electrical Winch : Yes 3 000 - Free Wheel Hubs : Yes 3 000 - Prop Shaft (Drive Shafts) : Yes 4 000 - CV Joints : Yes 4 000 - Steering Mechanism : Yes 4 000 Clutch : Yes 8 000 - Sensors : Yes 4 000 - Emission Control : Yes 3 000 - Cylinder Head Gasket : Yes 6 000 - Drive Pulleys : Yes 4 000 - Viscous and Electric Fans : Yes 4 000 - Electric Motors (Sunroof) : Yes 4 000 - Electric Mirrors : Yes 4 000 - Central Locking : Yes 4 000 - GPS Navigation System : Yes 4 000 - Entertainment System : Yes 4 000 - Phone System : Yes 3 000 - Transponder Key : Yes 3 000 - Alarms and Immobiliser : Yes 3 000 - Overheating : Yes 8 000 - Overfueling : Yes 8 000 - Cambelt Failure : Yes 8 000 - Excess Waiver : Yes - 80.96

They only authorised the claim under overheating:R8000. The quote to fix the vehicle includes , engine rebuilt, head skim, head gasket set, replacement of cooling systems and replacement of module wiring. It is common cause that these items are covered under this plan. Under their restricted cover clause; it says overheating is covered exclusively under its own benefit, but my vehicle's is NOT overheating , it is Viscous and Electric fans (this is noted on the Technicians report). We are taking these covers not to enrich ourselves but to be put in the same as we were prior to these types of incidents.