Tata AIG Insurance — Notified to me that all are insured, no need to pay any money

Initially it was notfied to me that all are insured no need to pay any money except claim process amount. Now suddenly they are asking to provide 17000 because oil, carpet, air bag etc are not covered in insurance policy or half coverd.
Why it was not notified to me prior to start work, how i ll get 17000 now suddenly.
Its fraud done by insurance company & magnum honda service team. They are making foll to custmoer.