Disgusting Service from the Unlimited

Totally disgusted with the level of service from the Unlimited. I have taken a Scratch and Dent Policy on 2 Vehicles with the Unlimited in June 2021. This policy allows 4 claims per year per vehicle, every 3 months. I tried to put through a claim in November 2021 on 1 vehicle and had been back and forth with them for months, till it was only approved in March 2022 . Note that they do not call you back and follow up on anything, I had to basically keep calling and checking. I had to pay for all those calls. When you call them, they transfer you to a whole lot of people before someone can actually help. Each call had been at least 30 mins. By this time I was already due for the next claim. I spoke to someone at the call centre as it was already time to do the next claim and this person told me to get the quote for the next claim and they will get it done at the same time so that I do not have to take the car in again and the panel beater can do both jobs. This was only because they gave me the run around for the first claim, that this was allowed. I took the car for the next quotation and submitted everything through. I waited and waited and got no response until I had to call them. When I did call, they tell me that the claim has been rejected as it was pre-existing damage. How do they make an assumption like this from a pic, when no one has sent someone to assess the vehicle??? They have been insisting that it is pre-existing when it was not. I am truly upset, disappointed and dissatisfied with this kind of service. I have paid every month from June 2021 to date, the debit order comes off my account every single month with no issues but when we want to claim for a service that we have been paying for, it's always an issue??? So I have paid for this service for 2 vehicles for a year now and they have offered no service at all. Clearly they are just *****ing my money every month. This service is more of a hassle to me than anything else. I DO NOT RECOMMEND THIS POLICY TO ANYONE. Totally totally disgusting. I will be canceling my policy and will have absolutely nothing to do with the Unlimited. If I have saved the monthly premium that I have been paying to the Unlimited, I would have been able to sort the both vehicles out on my own. Clearly they do not know what they are doing there.