Engine Cover Denied Despite Full Service History – Alternator Pulley Failure

I am disputing a claim with Motorite / Infiniti Insurance Limited regarding my 2010 Volvo XC60 (first generation, 300,000+ km). What happened: • The alternator clutch pulley seized suddenly, causing the auxi****y (V) belt to snap. • The broken belt became entangled in the cambelt system, causing the cambelt to snap. • This led to extensive engine damage, including hydraulic lifters, intake valves, exhaust valves, rocker arms, and cylinder head components. Important facts: • The vehicle has a full service history. • The cambelt was replaced in 2025. • The failure was sudden and unforeseen, not due to neglect or wear. Insurer’s response: • Motorite declined to apply the Engine benefit (R20,000 cover). • Instead, they app**** the Cambelt Failure benefit and argued that the alternator clutch pulley is not a listed component under Electrical Components. • This is contradictory, as the pulley was used as the initiating cause to limit the claim. Impact on me: • Substantial out-of-pocket repair costs. • Loss of use of the vehicle. • Emotional stress and financial strain. Next steps: I have formally submitted the matter to the National Financial Ombud Scheme for independent review. I hope that Motorite will reconsider its interpretation and apply the policy fairly. I am sharing this publicly in the hope that it encourages transparent and fair handling of warranty claims, especially for sudden mechanical failures on properly maintained vehicles. My 2010 Volvo XC60 suffered extensive engine damage after the alternator clutch pulley seized, yet Motorite is refusing to apply the Engine benefit (R20,000 cover) despite full service history and recent cambelt replacement — I have now submitted the matter to the National Financial Ombud Scheme.