2nd time around bar service 1st in 2020 and now

Been paying my premium for years now and when i need to claim im being told that my car paint has faded and that it voids the claim i mean i had the policy for that Long sure the cat wil fade but its not rusted like they say and is plastic how can a plastic rust and yes with bad paint it happens but that doesn't eliminate the fact that in that specific area the car is scratched and not well and the back light is cracked and they not looking at it at