Bidvest insurance scratch and dent **** (the big ****)

Hi guys please don’t be fooled and take the Bidvest scratch and dent Insurenace, because when u claim for scratch or dent that happen during. they will need assessment of the full car from they own auto repairs(they recommend) even if you know the right ones who are accredited auto repairs. I have been with them for 1 year now and I scratch front bumper and it required them to pay R2400, but they couldn’t pay because quote from repairs included old scratch and dents, which made the value of the claim to go high, I feel is unfair cos the claim was on bumper not the whole car. So guys please please don’t take this **** insurance.