Disappointed EX client

I took out a policy called cosmetic cover for dents and scratches for my vehicle. The policy was taken out in 10-04-2019. My first claim was in 27 May 2020. I logged a claim with the institution and was advised that the claim was reputed for the following reasons: 1. The scratches occurred on my vehicle when the vehicle was in motion 2. My claim exceed my policy cover 3. A truck collided with my vehicle and they do not cover this type of incident

These are type of excuses that was used by Motorvaps. When I spoke to the claims dept. The quote I received for the paint less repair was R4999.00. I advised the consultant to review my policy cover limits and she found that it was for R5000. She then found the excuse of a truck collided with my vehicle. I informed the consultant to have a look at the claim form. There was no mention of a truck colliding with the vehicle. She then found another excuse that the quote was for spraying the vehicle. I informed her that I will speak to the repairer and inform him that he needs to do scratch repair and change the quote to scratch repair. The consultant then advise to resubmit which I did and was reputed the second time. I had a second vehicle covered by the institution and I cancelled the policy as well. Motorvaps has taken my premiums for one year and have not honour their duty to their customer. When I logged the claim there was not a single telephonic conversation from the institution side. I had to continuously call Motorvaps. The only time I had a call from the institution was during the inception of the policy to confirm banking details. There was no confirmation from Motorvaps if I had receieve my policy schedule. As soon as a debit order did not go through due to a error from their side they will send you a mail stating that your policy will be cancelled unless you make a payment within a 5 day period. All the excuses the insurer made to repudiate the claim was beyond belief. None of the excuses used by the insurer had any grounds. I am from the motor industry and would not recommend this institution to vehicle owners. I assumed that if you are in a bad area you are more likely to get ****** unfortunately I was ****** by a corporate institution while sitting at home. Their claims dept was unprofessional. Lack of knowledge regarding their clients policy details. Lack of communication from Motorvaps. Policy no: CCP86668-CCP***