Worst service and claim rejected after 26 days of daily calls!

I am having a select warranty with booster cover on it with this company but when I made a claim for my car turbo charger to be replaced the claim was rejected with reason being wear and tear as the car did not do 10 000km as yet! How is the car gonna do 10 000km within a year while I am not always available and even if I am available my work place is less than 7km while the service book shows that the car is serviced yearly whereby since I got the car it never been service with mileage above 10 000km a year? The car did around 7 000km+ since I took over their policy which I feel they were supposed to pay but they said wear and tear! Their claim process is also a mess as the only time they spoke to me was when they rejected the claim all the time I have been communicating with the poor dealership which was always told the email or photos were never received! When you hear this name MVIA calling to sell any product to you just report it to popia cause the don't even abide by popia act.