Unreasonable attitude

I have been with Discovery Insure since 2016, previously had life and medical cover with them. I had taken my vehicle in for a quote to a Panelbeater that does scratches and dents. I was quoted R6000 for the repairs, which I accepted. I enquired from Discovery if they would honour the claim as it's just cosmetic damages. Due to the fact that there was a scratch on the front bumper, rear bumper and door, Discovery expects me to put in 3 claims as it is viewed as 3 separate incidents. Although I have zero excess, I refused, as the principal of the matter is that these are minor touch ups/cosmetic repairs, why should I put in 3 claims opposed to 1. Should I have had an excess of say R3k, the excess would have been R9k on a R6k claim. Really Discovery? Upon enquiry by my broker I was advised that this is Discovery's "Rule". Just for interest, my monthly premium is R6k per month which they have been collecting since 2016. I have since cancelled my policy with Discovery, god forbid I have a more serious claim, what would I have to deal with. Potential clients please take note of Discovery's attitude.