Excuses not to approve claim... What I was told, is not what I got.

I was called by a sales agent about two months ago, introducing me to this dent and scratch policy of The Unlimited. I was told that I can get any damages fixed on the car body or interior every 3 months with the value of R5,000.00 So I submitted my first claim to fix areas on my vehicle where paint chipped off etc. and the full value to do the repairs was even less than R5,000.00. So in order to fix the chips etc. on the bumpers they will have to respray the bumbers. So my claim was then declined and the reason provided to me was because they don't cover spray paint.... I was definitely not aware of these exclusions and was just told now that they sent me an sms with the policy when I joined then, until today I have not seen such a message. They were not helpful at all and was the specialist also very rude while speaking to me so I requested to cancel my policy with immediate effect. Just yet again another "insurance" company looking for reasons not to pay out claims....