Pathetic customer service and claims policy

Extremely disappointed with FNB First Bodyline operating under MotoVantage. I would have given a lower score if I could! This is a **** of the highest order. I've been paying over three years claim-free, I was promised that they even repair pre-existing damage when joining up. Now when I try to claim for some dents and scratches they don't even bother to send someone to check the car and damage but reject the claim outright based on uploaded pictures because they "assessed" that the damage is over R10k and they only cover R3k. I say OK if my policy covers R3k worth then come and do the job worth R3k and I will take care of the rest myself. They refused, totally rejected the claim altogether because it "violated" the policy. Question is then what was I paying for? I never claimed before and I just wanted a couple of dents fixed even if they couldn't do all of them, at least cover something for my 3-years premiums worth!! Be aware, this is a ****, they promise you heaven and earth but come claim time you get hell on earth. Stay away from this ****, I cancelled my policy immediately. Never again!!