"I can't explain that ..." It's in your policy document!

An incident occurred on or about 9 June 2018. At the time due to weekly commitments I was unable to attend to the damage to my vehicle as it was not major but minor in terms of a dent and scratch. My commitments have now eased up and I have time to deal with everything that needs to be done. I attended at a Panel beater on 30 July in order to obtain a quote. I then phoned First For Woman about 10 minutes ago to lodge the claim and was advised that because the incident happened on 9 Jun 2018 the claim has been rejected. I asked why and was advised because I didn't report it when it happened. This is absolutely ridiculous. This is a scratch and dent policy and not damages as a result of an accident. Does this mean every time my car gets scratched and I want to claim I have to report it immediately?? Pathetic explanation, very unhelpful Agent by the name of Portia. I will most definitely be cancelling this policy and taking my business elsewhere. This is not the first time I have claimed. Perhaps I should have **** about the date of the incident! I'm sure a lot of people do.