Terrible claims experience !!!!

I submitted my claim under my scratch and dent policy (Policy# ********** ) in June 2018 and i was requested to send through pics of the damage and later a quotation for the repairs. I was then told i am only covered for an amount of R2 000. The cheapest quote i got was for R2 500. I then went back and negotiated with the panel beater and received a revised quote for R2 000 of which i submitted to the insurer CMC (Tatenda Dube) on the 20/07/18.I then receive feedback that my claim is repudiated as a result of wear and tear which is a general exclusion of cover. I then responded saying that this is definitely not wear and tear as my bumper was worked on a few months prior by a reputable panel beater and that this was as a result of me scratching it when i parked to close to the pavement. I was then asked to re submit pics of the damage and i then i was informed my claim would be repudiated again because the size of the scratch is more that 15cm (26/07/18) more than a month later. I then sent through pics of the scratches with a tape measurement indicating that the damage was within the 15cm limit and still nothing . Now keep in mind that no assessor came out to physically look at the damage and this is all done via email . To cut a long story short my claim was never sorted out and i cancelled my policy and asked for a refund of my premiums as clearly there was multiple attempts to try and get out of paying my claim and then i was told that there is no refunds on cancelled policies ??.4 months later and still no feedback . Is this how you do business ?.Totally disgusted