VChange CosmosDirectly with discount protection -> XXX, UK case 4 years ago: what is transferred?

Hello, I have to decide in the next few days and would need ev. help: I am currently with CosmosDirekt, currently with SF 15/16 (HV/VK) and discount protection. In 2014 I had used VK and was not reclaimed in 2018 because CD “up to 3 damages” granted since contract start. After request which SF I would get confirmed during the potential change, I got written: “SF 15/16 for 2019”. On my further question, whether ev. pre-damages were taken into account, I received so far Unfortunately, no answer. Then, after several attempts, I reached the CD hotline and received the following notification: The incident before 2014 would have no influence on the current SFs, because it did not take place in the current year (?). I would have expected that through the 3-year clause in the discount protection ALL damages from the past will be passed on. Can many confirm that older damages especially at CosmosDirekt no influence on the current SFs ha I would be grateful for PERSONAL experiences from people who have made such a change. I would be grateful if you would refrain from general remarks “what happens to old damages during the change taking into account discount protection” – these rules are known to me. Usually, however, insurers offer a damage per year free and CD exceptionally 3 damages “life long”. Thanks in advance!