FNB scratch and dent will never honour claims.

I have scratch and dent cover with Fnb. First time i claimed it was denied citing the cost of repair is higher than cover amount. But if i can find at least 2 qoutes to prove their estimate wrong they would pay. Left it there. Second claim. This time a very minor dent. Again denied citing same criteria. Firstly. They asses the damage from a photo. Then request you to get a qoute yourself. And this is where the **** lies. The cover offers mobile repair. But ive deduced that they dont have any partners in areas other than probably the main centres. So now they want you to do the ground work by denying your claim. They send you a list of approved repair centres. But im sure they have no agreement with these companies. I attempted going to one. The people didnt give me the time of day and i realised these companies dont have time to do small R500 to R1000 repairs. They want the real money. So Fnb has us paying for cover that they really can not provide. At least not in the smaller centres. I can gather that no mobile repair service even exists for us. Me being in P.E. So in the end FNB. You are misleading your customers by offering a service which you can not actually provide then expect me do do the driving around. Get out of the insurance business if you cant do it with integrity. You may find someday that your greed start making your feet rot.