Worst worst worst experience when claiming

We purchased a vehicle at Ford dealership in 2019. We were offered value added services with scratch and dent which was covered by hollard we were quite resistant as we knew that these scratch and dent policies never really keep up to their word especially with hollard their reviews really suck. We did our first and only claim in December 2020 of which was rejected. The policy covers 2000 of which we managed to get a quote to fix the damages for 2000 however the claim was rejected with one of the reasons being "This claim exceeds the sum insured cover which is 2000. Reading this reason for rejection alone makes me sick and extremely dissatisfied. I do not advise anyone in this lifetime to be ********** by companies like hollard. Policy number is HPAB019468POL