A waste of 3 months payments

I took out a policy in July and thaught this was a great think to have. I just came back from a trip and got 3 small chips on my bonnet not more than 5mm each. So i thaught lets have them fixed. 3 palces i was sent to wanted R3700 to R4500 for the 3 chips. Every one of them told me that you can almost never get anything fixed for under R3000. that is the amount you can claim every 3 months. I will be canceling my policy as it is definatly not practicle. I am glad i found this out before i had been paying for months maybe years