Pre owned monthly warranty rejection claim

I write this review complaining about the rejection of my claim for repairing my car. In December 2018 my car broke and I took it to Midrand Volkswagen to be repaired. A day after my car was taken to Midrand Volkswagen I received a call from Volkswagen ,I was told that I must pay R16500 for fault diagnostic.I refused to pay that amount of money for fault diagnostic because I did not have it. Then I took my car to SAC( Steve Auto Clinic Repair centre ) in Kyalami.

At Steve Auto Clinic repair centre they found the fault in my car. The fault was the broken timing chain that was causing the car not to start. Fortunately I have a policy with Motor Engage Innovation Group and it is covering the timing chain. I called the Motor Engage Innovation Group informing them about my broken car and the amount they must pay to Steve Auto Clinic Repair centre but I was told that my policy is in hold (not active).I could not understand the reason why my policy was on hold as my premiums go through every month. After investigation I was informed that I was two months behind with my premiums ,they say they did not get the money in December 2017 and July 2018.

Motor Engage Innovation Group customer service personnel told me to make the payment of two outstanding months on the 19 December 2018 in order for my policy to be active so that they can help me with the claim.

In January 2019 Motor Engage Innovation Group sent the assessor to Steve Auto Clinic repair centre to check the damages in the car.

They refused to pay arguing that the car was fixed prior their authorization but they are the ones who told me that I must make the payment first then my policy will be active and they would help me to fix the car.My Worry is that I have not claim anything from my policy and the treatment I get from them is unfair and my car mileage is 268000 Km and my policy will automatically elapse when my car reaches 300 000 Km. In other words should Motor Engage Innovation Group not help me it means I have been paying my policy for nothing and running at a loss.

May you please help me to get Motor Engage Innovation Group to pay for my car. Your assistance in this regard will be highly appreciated. .