claims rejection

1. The insurance declines 3 separate claims (damages occurred in different dates) with their justification being that they were all processed at once and considered as a single claim. As a result, they will not pay as the amount exceeds their maximum cover. <br> 2. the insurance refuses to consider a new claim if the old damage has not been repaired in the car even if its not the same position.<br> 3. This insurance falls under BMW. BMW has a good reputation but from SMART insurance (cosmetic and care cover)I am not getting value for money which I have already paid for in full.<br> 4. I took this cover because I was advised that it will assist in fixing small scratches and dents in my car.