Rejecting Claim on unacceptable grounds

I have never submitted a claim and have been a very loyal Discovery (Medical Aid, Insurance, Vitality, Card) customer for years. Now, for the first time, I need them to assist me financially with repairing a little bump (happened last year October) on my car that needs panel-beating. My excess will probably be half of the total amount payable for repairs but with all the premiums I have paid, helping me is the least Discovery can do. <br> <br> Due to the small nature of the damage I didn't make work of it immediately when it happened and now Discovery is rejecting my claim based a 30-day clause (which I was completely unaware of) that states that reporting it later than 30-days \MAY influence the outcome". This wording is something completely different than bluntly rejecting a small claim from a loyal customer. I was completely unaware of the fact that the claim should be submitted within 30-days as no one at Discovery discussed this with me but they sure were quick to bring me up to speed"