Scratch and Dent cover declined

This complaint is with regards to my scratch and dent cover.

Firstly, this cover was taken with the idea that in the event that any exterior damages occur I’d be able to claim and considering that I have only been driving for less than two years made it even more imperative that I take it.

Furthermore, when I purchased the vehicle I was advised that I should wait until there are substantial scratches in order to claim.

I was furnished with a letter stipulating that my claim had been declined. This letter informed me that my claim exceeded the maximum Indemnity of R 3 500 per claim therefore it will not be paid.

The scratches incurred on my car can in no way exceed the amounted specified in your policy of R 3 500 and I only have one minor dent which surely should be covered.

I would like to see the quote given to your administrator, perhaps this may shed some light as to why my claim was declined.

I am disillusioned to say the least with the fact that my very first claim has been declined simply because I had followed advise from a colleague within your company to not claim immediately.

I cannot fathom that a policy that I paid for with my hard earned money will not be honored by your company.