Cannot claim for Scratch and Dent Cover

Ever since I got this VAS, Budget has always managed to make it difficult for me to claim. I get R3000 on the cover every year, I pay R119 every month for Scratch and Dent/ Tyre and Rim. I am trying to log a claim for a dent I have on my car and a few scratches. I am being told that each dent/scratch must be logged separately and each dent/scratch logged will have an access of it's own. Which means if I have 1 dent, 5 scratches I need to pay R400 * 6 which equals to R2400 (which is plain ridiculous). Then your call center agent told me I need to have a date for all incidents so tell me, how am I suppose to recall how I got the 5 scratches on my car? Most of the time I get scratches while parked at the mall. That doesn't make any sense. Anyway after logging details for the dent I have, I was told the claim has been declined because the claim is more than 30 days old. But I have been paying you for over 2 years now!!! What nonsense is this??? I want my cover canceled immediately!!! Your service is typical insurance company ripoff!!! I want all my premiums back for the year 2017 because you have been nothing but useless to me!!! I don't need your pathetic service I will pay for my own scratches and dents!!!