MVIA Insure Dishonest Business

The most shocking, dishonest business. I took out two policies with them one for maintenance and the other for full cover for major parts break down. I have paid for year and not made one claim until now. My steering pump has gone, and other parts related to steering column. I phoned to check that I was fully covered for the claim was told yes, I was. Mazda put in claim, and it was rejected. The basis of the rejection is the pump is not broken it is just noisy and needs to be greased. My car did not stop and break down hence it's not broken, cracked or burnt out, this is because a normal person does not drive their car when they hear something is wrong with their engine. However, if I had driven my car knowing there was a problem I am also not covered. You cannot get to speak to anyone in the business other than the call center. Mangement does not call back. As the claim was R51 000 I asked for an accessor this was rejected. I asked it the processor of the claim was qualified as a mechanic, I was told no. My rejection was done in a day, my objection I was told would be investigate it was not. An hour telephone call to the call center trying to get an explanation and explaining to them how a pump works resulted in a rude response just repeating was the rejection claim over again followed by an email the next morning giving me the same rejection information and an Ombudsman document. According to a number of dealers I contacted MVIA has the highest rejection claim in their business. To add insult to injury I must give them one month notice and continue to pay!!!!