Warranty Direct review: Ripped me off

Am currently trying to make a claim on my warranty direct car warranty. They are dteremined not to pay. Policy says it covers wear and tear --dont believe it-they will use any excuse not to pay.I have a seized brake caliper say dealer must strip it fist to determine cause - eg if caused by corrosion then this is not apparently wear and tear- also would have t0 pay dealer to do this. Do not pay for this warranty they will search for reasons to avoid paying--also can be extremely difficult to get thru to on phone I spent over an hour yesterday after 8 calls iam no closer to getting repair approved every time i do what they ask they find something else for me to get-also get conflicting advice depending on who you talk to