unsatisfactory service

I would like to share my disappointment from the service that i have received from this company, i have submitted my claim and it has been declined and i have asked for call back the lady assisting me. when i submitted my claim i was asked to submit the pictures and i was asked to take picks over and over, then i was told that the quotation was above maximum claimable and i was asked to go to the panel beaters i asked for the list of the panel beaters in their list and asked her to confirm max claimable amount it was then confirmed i visited the panel beaters and got the quote and submitted it, then i was told to include the other parts of the car i explained that since there was a max claimable amount i focused on the what really needed to be repaired but still i was told to include everything, i comp**** and the claim was rejected. i pay every month for this service yet no proper explanation is given i had to ask for the max amount claimable,