CMC - Claims

I have an Insurance policy with CMC for internal and external minor car repairs. I've had the policy for the last 4 years. I've tried to put in a claim with CMC for interior car seat damage. It took me 4 days being put through from one person to the next. Finally a consultant got back to me regarding information on how to submit my claim. After submitting the claim the claim was rejected. I asked for an explanation why it was rejected. They informed me that the damage was not covered by the policy wording. The policy wording states the following: "Seat Panel: For tears not exceeding 5cm and burn holes not exceeding 1cm." As my seat panel has started showing signs of every day usage wear and close in becoming a tear, I thought it would make sense to repair it before it tears and creates more damage or going above the 5cm requirements of my policy. It appears they think it's better that it tears first before having it fixed and then they can reject it again, because it's bigger than 5cm.