Outsurance Mechanical Warranty

Worst decision I have made for my cat was taking the outsuramce mechanical warranty. When I took my car to Zeemax BMW, the first thing they said when they saw my insurance schedule was that I have made the worst decision ever, OUTsurance will not pay for mechanical claims, they struggle with them. This left me with fear, however I continued with my claim. 10 days later after complaining for poor communication and submitting everything OUTsurance asked for including service history from the time my vehicle was purchase and still on motor plan, outsiance came back to me saying out of the R8400.00 clam, the will pay R600 for Ignition coil only. The rest they won't pay because the other fault which is Valve Stem Seals are not covered under Differentail of the Mechanical Warranty and neither are they covered under Engine Components. The valve stem seals can only be due to wear amd tear according to them and nothing else. For a vehicle 84 000 km with full service history and with R1653 I pa OUTsurance a month, I'm done with them. Never ever insurance your vehicle for mechanical warranty with outsurance. It's a ****. I'll take this to Ombudsman further.