Rejection of claim

When I purchased my vehicle at a VW dealership, they informed me that I have an option of the scratches and dents policy which I accepted. I was not given any documentation regarding the policy.<br> <br> When I had a dent I went back to my dealer who informed me that I can only claim after a 3 months waiting period. Which I waited for until it expired. When I contact the insurer they inform me that they don't pay for an incidence that falls within the 3 month period which is now contrary to what I was informed.<br> <br> However the basis of my complaint is that how was I supposed to know about a condition which is material to the claim if I did not receive any documentation. The dealer acted as the insurer's agent and they should have specifically made me aware of a condition which is material to the claim. This is in breach of the policy protection rules and insurer needs to provide me with proof that I received my documentation.<br> <br> I lodged a formal complaint and till this date have not received any formal feedback. Should we not come to an amicable solution. I will refer this matter to OSTI