Scratch and Dent with FNB

Had an active scratch and dent policy with FNB since 2020. I was paying R100pm and never made a single claim for the past 5 years. Im deciding to sell my vehicle and wanted to get the stone chips and 2 small dents repaired so I called FNB to get the repair done. I went through the process and sent photos on Whatsapp as requested. They called back and wanted more detailed photos because they couldnt see any damage on the car (thats how minor the damages were). I circled everything for them and waited approximately 1 week for them to make a decision. I was told that the total cost to repair is R12000, they only cover R3000 per claim, which I was aware of, but they also refused to do any repairs whatsoever. They did not even want to do R3000 worth of repairs because "its an accumulation of damage". All the damage occurred during the period I was paying for my policy. In essence, I gave FNB and Smartuma roughly R6000 and got nothing at all for my money. I called around and it seems the average cost for stone chips repair is R150 per chip, and the dents can be repaired for R400 each from an independent body/paint shop. The total repair cost for my vehicle shouldn't be more than R2500. The body shop has heavily inflated their prices so that they can refuse claims. For R12000, you can forget about paint chips and just vinyl wrap your entire vehicle. This policy is a total **** and its unacceptable that they dont provide multiple quotes or allow customers to get quotes from independent body shops. Whoever they work with are simply making up repair prices. Safe to say that I will never purchase another scratch and dent policy for any of my other vehicles. Cancelled my plan immediately.