FNB Scratch and Dent - Waste of time

If it sounds too good to be true then most likely it is. I have been sold one of these policies before where they advertise that you can claim on minor repairs to your vehicle and keep it in showroom condition with no excess and they made it so hard to claim that I cancelled it, so I was very skeptical when the salesman called me but he was very convincing and having been a loyal FNB customer for over 20 years I was intrigued and agreed again. I had a dent smaller than your pinky nail on my door so I called them, took a few pictures as requested and sent them through, I was advised that someone would revert in 4 days. 1 week later not a word so I called them, they apologized for not calling me back citing some lame excuse and also advising that the quote exceeded their cover of R3000 and I would have to pay the balance. I found it hard to believe that a dent that small could be that expensive so I queried it, they said that they would send me a list of registered repairers and if I could get it cheaper I would not have to pay in. No list was sent to me so I was forced to call again, I went to the first repairer on the list - Spraycraft in Bellville (who were fantastic by the way) and as I guessed they were able to do it within the R3000. I sent the quote to FNB Scratch and Dent and of course no one responds so I call again and get another lame apology that they are now asking their "in house repairer" who quoted high in the first place to match Spraycraft so that they can give the business to them instead, which I also think is hugely unfair as why do you have registered companies if you do not use them and what is the benefit to companies like Spraycraft who came to the party with a decent quote? I then get advised that they (FNB) will not pay for the door blackout (which is a vinyl sticker on the door pillar) because it is new and they will not replace any new items on their cover (even though the is included in the quote). In closing it seems they are going to find some reason not to honor any repair. Money wasted and another lesson learned.