Bidvest insurance and IUA you are Rated Zero

Why is there no Zero rating for this company IUA and Bidvest Insurance I don't have to tell anyone my story as you can see by all the negative reviews , is this a insurance you really want to have? My wife wanted Scratch and Dent cover for the family car , they called we took the policy with the 3 months waiting period, First claim took her car to Mc Carthy as per there request for quotes , even though you tell there panel shop your claim limitation amount they still quote you more reason for this is if your quote is more than your claim limitation amount they will not pay "they are too clever" Then pics was Taken and send to them , they do not call you to say we still need documents , they rather sms you and say, documents outstanding. So the client needs to call them , and each time , for pics which they claim is not clear enough for them , BTW i am using a Huawei P30 so do this phones have low megapixel camera's ? Pictures send again claim approved with them excluding more than half of the car due to pre existing damage , a small paint chip on the right hand side beading and the entire right side door is not covered ,2nd Claim again the pics is not clear pics send again , 20 minutes on the phone when logging a claim and when following up remember they dont call you 3rd claim so tired of each time getting the outstanding documents sms we send the pics twice , but still got the sms, called them again pics are not clear okay must be my phone use wifey's Samsung S10 camera in direct sunlight capturing the sun in the door, still the pics is unclear and dark , there new excuse is the car is dirty and all other damages is not accounted for ,Why my wife is only claiming for the right front fender the car is dark yes i know but i have cleary marked the area of the damage , Questions bidvest and IUA Why was my previous claim approve whilst the car was Dirty ? Which camera do you recommend your clients use ? Why could i not log my claim yesterday Why is my pictures "dark" each time according to you?! My wife wanted to recommend this policy to her Co workers but not after what we have encountered. Remember this if one unhappy customers tells 10 people the story and each of those 10 share is with ten others ... bet you getting my point