FNB Scratch and Dent Insurance

FNB Scratch and Dent Insurance, I had done a claim with FNB and when speaking to the consultant Fathima, I was asked about the size of the dents to which I rep**** 5cm each, one on the front door and two on the back door, she did not advice me dat my policy only allows for a claim to be done for a panel at a tym, she however put my claim through, wen my claim was put through she had declined my claim becos the quote they obtained had exceeded the limit of R3000, to which I den asked if the claim can be cancelled and a new claim be done for the front door only and was told she cannot help me, and was told her job is to only approve and reject claims, why is it so difficult for them to just do another claim, I find this very hard to understand, so does this mean going further I can not claim through the FNB Scratch and Dent policy, although I have been paying my premiums now for the past 5months, this is really poor service and a real disappointment as I am an ex FNB employee and to receive this treatment is really not on. I am awaiting a phone call from the manager of this department to find out how can they assist me or should I cancel my policy and take up a policy with another company.