Extremely disappointed with Toyota Vantage Insurance claim handling and excessive repair quote

I have been insured with Toyota Vantage Insurance for over three years, but my recent experiences have left me extremely disappointed and frustrated.

Over this period, I have attempted to submit three separate claims for minor scratches on my vehicle. Each time, my claims were rejected on the basis that the scratches were allegedly bigger than 15 cm. I personally measured the scratches and provided accurate information, yet my claims were still declined.

Most recently, I submitted a claim for a very small white paint scratch on my vehicle that is less than 2 cm long. I even provided clear photos with a ruler to show the exact size. However, not only was my claim rejected again with the explanation that the scratch exceeded the allowed size (which is factually incorrect), but I was also provided with a repair quotation of approximately R19,000 for something that other repairers have quoted at around R2,000.

This raises serious concerns about the fairness, transparency, and credibility of the assessment process. The damage is extremely minor, and the quoted amount is unreasonable and excessive.

As a loyal customer of three years, I expected fair treatment and honest assessments. Instead, I feel misled and unsupported when I genuinely need assistance.