Budget Insurance selling products u cant use

I was called by a salesperson to take out exstra budget insurance policy scrach and dents it cover all typeof things including reniewing licenses deal with fines and claims up to R3000.00 Well the licenses and fines was a bust could sort that out . Now i knotice bubeling on my bonnet due to some liquid .the next day a large patch apeared where the laquer clear coat came off .I put in a claim scratch and dents as this is under 3000 and my main policy excess is 6500.As its not te paint only the clear coat affected . Well first got rejected because they couldn't c damage of photos .Then send in a gain and explain what happened well it got rejected again because they state paint is fading after u can c its the lacquer. Then i get explained oh its not a scratch and a dent .every tome its 48 hours and so on .Seems they will do anything to not pay any claims .DO NOT BUY THIS POLICY its got no value and u will never get paid out as excess is R400.00 .And each scratch if u do get will cost u 200 to repair .This is a absolute ****