Maruti Suzuki India — baleno car

Dear sir/mam,
I am deepak kumar owner of baleno petrol car from jully 2016 from chandigarh and i recently got my car insured from maruti dealership and i ask for engine protection cover then he answered that i[censored] ll not try to start in water then your got full engine cover from insurance. Recently on 30th of jully my car got struck in water and engine stop as per the instruction from company i didn't try to start the car and sent to authorize service station. They claims that it would cost around 40k.
I need clarification on the 3 points
1. If i had followed the instruction by the company then i why i need to pay the money about 40000
2. Where my car is struck other cars were working fine and they crossed my car very smoothly so water level is normal where the other cars were working fine and then i got the explanation the air filter in baleno petrol model is fitted on the front of the grill so this is basicaly design fault. I am attaching the picture of engine of swift baleno and other company car for refrence
3. If your own insurance agent would sell like this then why to faith on maruti dealership for the insurance of vehicle we could get the extra benefits from other dealerships.

Kindly resolve if you can help me.
+3 photos
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