direct buy auto warranty mercedes r320 cdi intercooler leak wouldn't cover because engine didn't fail Nationwide

2007 r320 cdi benz developed an oil leak 2 years after buying a 5 year warranty from direct buy (auto) warranty.  dealer investigated and found an intercooler leak.  also, the srs (supplement restraint system) was worn and needed replacing.  confirmed that if one component of the srs is out of order, then the whole system is shut down (no airbags, etc) for this model.  all necessary repairs per dealer.  direct buy auto warranty people sent out their adjuster.  their adjuster's written report noted that since there isn't any mechanical failure, none of the $2000 repair would be covered.  dealership was totally speechless.  absolutely ridiculous that i should have my whole engine and turbo to be completely failed before dbw will consider covering a repair.  i know now that even if i had a covered repair, their adjuster will weasel out of it somehow.  i canceled my policy but have yet to receive my refund (2+ weeks) of undisclosed amount (dbw hasn't told me how much they'll refund).

on the other hand, i have the ford esp platinum care + for a different vehicle and that has worked BEAUTIFULLY.  when shopping for an extended service plan for a car, the list of exclusions speaks alot of the policy.  dbw's list of exclusions is longer than their inclusions. dbw is a bunch of thieves.  i hope justice comes to their heads sooner than later.