poor service

i took a policy with motorvaps on may if im not mistaken,for warranty repair,service and scratch and denth. after 3 months i pay my premium i took my car in for cratch and denth, i email them a qoute and they reply by they want a qoute for the whole damage on the car i went back to auto body for a new qoute i send to them they reject the qoute. i ask the guy what is the next step since you reject the qoute? then i decided to cancelled the policy with them and thet can pay back my money they say its not possible i ask that the whole 5 months i was paying for nothing and they say have to write a letter to complain, i ask hellopeter to assist me on this matter its either they fix my car or pay back my money.