Dont waste your time with Smart Insurance

I was signed on to Smart insurance cosmetic cover when purchasing my new car. I noticed a scratch on my front bumper when returning from holiday and felt I should use the service I was paying for. When I contacted the call centre they queried whether there was any other damage on the car, to which I advised there was small dent on the rear bumper. When contacting the prescribed repair department, I was advised by the panel beater that I should not have included the rear bumper dent. He advised that the agents ask if there is any other damage to your car in order for for the amount to exceed the policy claim limit of R5000, so that they would not approve the claim. <br> I found this hard to believe but 4 days later a very rude lady from Smart called me to advise that the combined value of the two areas of damage on my car exceeded the maximum claim value, and my claim was rejected. I immediately contacted the dealership that sold me my car and advised them I want the policy cancelled immediately. I have now engaged with a panel beater and will have the repairs completed myself.<br> Smart is deliberately uses ********* practices so that customers claims are not paid.