Bidvest Bad Insurance

I have been with Bvest Scratch and Dent for quite a while and within a three week period picked up x 2 separate scratches to my vehicle. Two weeks thereafter I SUBMITTED A CLAIM WHICH WAS DECLINED AS IT WAS OVER THE R 3000 per claim limit. I explained that it was separate claims and the consultant explained that I could submit independent panelbeater quotes and would be responsible for any cost over R 3k. I Subsequently picked up another scratch. So I was declined again as the cumulative claim is above R3K, although they represent separate incidents. The policy makes provision for multiple claims , just not at the same time. Whats the point of the cover if I cannot claim for more than x 1 claim at the same time.