Dail Direct expects u to at minimun have a double access in your back pocket,when claiming

I have full comprehensive and I accepted scratch and dent additional cover. Tried claiming for scratch and dent, they declined to cover,firstly indicating that they cant't just fix the dent,as they need to allow blend(paint) over the other panel.This increased the threshold cover amount. Then they indicated I did not have my vehicle inspected,and I claimed in the cooling off period,therefore they declined(took them 1-2 months to get to this point).Then I went to full comprehensive team.they advised this would be a fresh claim,and no link to scratch and dent,as they are seperate divisions. They then indicated front damage to vehicle,when damage is at rear. They then logged another claim,and advised it is two seperate claims,therefore I need to pay double the access?!(took them 1 month to get to this point).I then advised I would try have it fixed by panel beater of my choosing(they then took another month) to tell me, they would payout R4020 so I may fix damages. My access is R4650, but as I must pay double access, I must pay add my own R9300.and I pay more than a R1000pm to Dail Direct and a further R100pm, for Dail Directs,scratch and dent division(which with my vehicle color-3 stage metallic,i clear can't claim on)