No 'Terms and Conditions'

I had a claim regarding scratches on my vehicles bonnet and the claim was rejected, then I wanted to place a claim for a chip mark also on the bonnet despite it was caused by something else as the scratch marks, it was refused.

It was stated that they can't repair something else on thee bonnet if the previous damage hasn't been repaired, hence I need to pay for the other damages first.

Despite the statement of CMC and M-Sure it can't be found in there terms and conditions and they not indicated where this clause of is presented.

In short I must pay for al damages while they remake there terms and conditions on a whim with no proof of there statements. I would also like to indicate that they lady or manager of claims Yasmeen at CMC can be quite rude.