Misleading information and failed service

i logged a formal complaint with 1st for women on the 19th of April 2018 via email and till today I haven't received a response. Good day,

I took up the dent and scratches insurance on the 20th of April 2016. Of which no policy schedule was sent to me for my perusal. I was not informed there is an excess fee to be paid upon claim. The only thing I was advised is that the claiming on the dent and scratches won’t affect my policy and I can claim at any time.

When I tried to claim I was advised that I was supposed to claim 30 days after the incident occurred. I then requested for this policy to be cancelled. Please listen to the call recording and check your records whether I received the policy schedule within 7 days of accepting the policy.

I want this matter sorted out either I get a full refund of my policy payment from 2016 to date. Or my dent and scratches on the car gets fixed.

This complaint will be escalated to the insurance ombudsman Regards, Sharon Sedikoe