Mercedes Scratch n Dent Policy Not Worth the Subscription

Mercedes offers a Scratch and Dent policy which I'd subscribed to. Recently, I contact their provider to claim for repair of a scratch/dent to my vehicle. I was first given an outdated list of repair service providers and was directed to the relevant outlet after the second listed workshop where the relevant provider was not listed. I obtained the quotation from their listed provider only for it to be rejected by the Claims department. After email communication, the consultant affirmed that I could source an alternative provider without any other conditions or provisions. I sourced a cheaper quotation only to have this rejected on the basis that the service provider is not on their list of approved providers - which was not clarified on my query to source an alternative provider. The Claims department won't allow you to source a quotation from their non-approved dealer but will reject the quotations from their approved list of service providers. They also informed me that there is a cap on the amount they cover so I cannot understand why this could not be covered without condition based on the claims quotation. I have subsequently cancelled my subscription and have had not further feedback regarding any refund on the policy. NOT WORTH IT! There was no value gained from this additional cost to my monthly insurance.