Auto and General Scratch and Dent

O have a Scratch and Dent Policy with Auto and General, when I was called to take out this policy I was told I can claim as many times as needed, that was 3 years ago, In August I tried to claim and was rejected because according to their recommended workshops, it is over the limit, so my Panel beater can do it for a small amount and Auto and General won't pay the minimum in cash to me as according to them my guy is not registered, he, however, does work for other insurance companies. Well none of the recommendations for Auto and General will fix the scratch because its going to cost thousands of rands, so now I'm trying to cancel this policy and Neo is not even responding to my emails. They just happy to take our money, terrible service.