I had warranty solutions for a year paying every month premiums

I had warranty solutions for a year paying every month premiums. I had am issued with my car which it was covered when i claim they told me to take the car to workshop i did so by taking my car to the dealership they gave feedback and quotation they wanted me allow for stripping the car n take pictures which am the one to pay for the stripping after getting the pictures they decline the claim saying it was my fault that my car broke down.