********* hypocrites

this company just looks for ways not to pay. i submitted a claim end June 2018 and duly told them that i had not seen some of the scratches due to the car being dirty. a claim was created, went out to get quotations as usual. there was two separate scratches. i told smart that im registering both scratches for the sake of compliance and that i would repair the one scratch myself as it was small. the one quote for the first scratch was 3k, the daft agent then told me to submit a quotation for the second scratch also, that quote was 3k also.

my question is why ask me to get a second quote for the second scratch only to come back to me and tell me that its been rejected because it exceeds the claim limit as the claim is now one claim. any ***** could have seen that in the first place as the limit was reached with the first scratch. also why not act like a decent insurance and rather assist the customer to get repairs completed, i.e. i could have paid 3k and claimed 3k, but the hogwash excuse is that they don't part pay and throw the customer under the bus.

this is by far the worst insurance that i have ever encountered, they reek inefficiency as i had to phone in and ask what was the outcome. if i was BMW i would be ashamed to associate my brand with this fly by night.