Unreliable insurance

I have a value added products (VAP) benefit with Fist for women and they have failed to help me with a minor scratch and dent. I had to do the assessment myself and from the exaggeration of pictures, the claim that the door has to be replaced. Every month they’ve debited more than 200 for more than a year and fail to repeat a minor dent. I already know I am going to struggle with the cancellation