Unhappy Budget Insurance Client

Budget insurance gives you problem when its time to claim. I have Scratch and Dent policy with Budget and my car had recently got some small chips on the car bonnet which I believe I picked them up while driving on the road possible by follows trucks and I called budget to register the claim and they took 2 weeks only to respond back that they cannot pay the damage. Every time I had to call them to follow up on my claim and always I was told a consultant will come back to me and I wait with no response until I call them back again. I'm really fed up with Budget insurance they way they treated me at a time when I needed them most