Bad service waste of time and money

I have a problem with the top up cover for their department they don't want to pay the remaining amount of the car, they rejected my claim they said they dnt pay for extras, I was asking myself what are they covering? What I was paying for exactly all this time? The main policy first for women paid for the extras but still they rejecting my claim today I was told there's nothing they can do they can't assist me, I tried to explain I was told to contact vw dealer to pay for the smash n grabe, alloy wheels, tracker, spoiler, speedlimeter, dark rear red sensor, sliding sunroof, I call vw they told that they will assist on canceling the mantainance plan on the car, the short fall cover mention the whole car how can I pay for the wheels for the car seriously it's part of the car if we take the top up cover you must list on your policy what you don't cover because now ur ********, they dnt even have the direct contact number in order to get hold of them u need to get hold of first for women so that they can transfer you to them, pls do not take top up cover with first for women they r ******** Ive been paying the policy up to date hope to get help if something happens to my car they put too much stress they dnt even do follow on their claims if u hv to do follow up waste airtime calling them send emails no response I've been dealing with this claim since December now we r in February I'm dealing it's too much unacceptable I will also take it with ombudsman because I don't even get help now im ****en ****ed off frustrated I wish I knew their offices was gonna go straight there so that they can explain what I was paying for? If they can't assist