Warranties 2000

My grandmother bought a 07 plate jaguar less than 3 months ago, which she has driven less than 100 miles in and has now been told he needs to hand out over £1100 to get the fly wheel replaced, at the age of 75 she hasn’t got that type of money which is why she paid extra for the platinum warranty with warranty 2000. After many attempts she has beeen repeatedly told they will not pay out as it is ‘wear and tear’ which I believe is beyond a joke since she’s hardly used it and it’s caused her stress to the extent she’s been in and out of hospital for the last month.