OUTSURANCE NOW BECOMING A DISSAPOINTMENT

I BOUGHT A 2ND HAND VEHICLE 4 YEARS AGO. I ADDED IT TO MY INSURANCE TELEPHONICALLY AND WAS NEVER ASKED TO HAVE THE VEHICLE ASSESED. I RECENTLY PICKED UP STONECHIPS ON THE BONNET AND THE PAINT IS NOW STARTING TO FLAKE OR PEEL OF AT THOSE POINTS. OUTSURANCE OS NOW REFUSING THE CLAIM SAYING IT IS CLEARLY DUE TO INFERIOR PAINT WORK PREVIOUSLY DONE ON THE VEHICLE - WHICH I AGREE WITH -MY PROBLEM IS IT WAS DONE BY THE PREVIOUS OWNER I ASSUME - IF YOU ARE EXCLUDING WORK DONE ON THE VEHICLE BEFORE I BOUGHT IT SHOULD YOU NOT THEN HAVE THE VEHICLE ASSESSED AFTER PURCHASE AND THEN LIST EXCLUSIONS? I AM REALLY REALLY DISSAPOINTED IN THIS ATTITUDE - I HAVE BEEN WITH OUTSURANCE FOR MANY YEARS - I DO NOT CLAIM OFTEN - NOW I HAVE A PROBLEM AND THE OUTSURANCE RESPONSE IS - SORRY WE DO NOT COVER THIS - I DO NOT HAVE THE EXPERTISE TO CHECK FOR THINGS MYSELF TO THEN NOTE IT WHEN INSURING - THAT I BELIEVE IS YOUR RESPONSIBILITY - IF YOU DID THIS AND THEN SAID SORRY THIS BONNET LOOKS LIKE IT WAS RESPRAYED WE DO NOT COVER THIS UNLESS WE CAN GET A RECEIPT FROM THE PREVIOUS OWNER AS TO WHERE AND BY WHOM IT WAS DONE - THEN I WILL ACCEPT THAT....REALLY OUTSURANCE THIS IS A DEALBREAKER FOR ME...... YOU ARE NOW FORCING ME TO START GETTING QUOTES FROM OTHER INSURANCE COMPANIES......2 OFF MY CHILDREN ACTUALLY WORK FOR AUTO AND GENERAL BUT I HAVE ALWAYS MAINTAINED THAT BECAUSE OF GOOD SERVICE AND A "SIMPATHETIC"EAR WHEN IT COMES TO CLAIMS I CHOOSE OUTSURANCE - THAT HAS NOW CHANGED