BMW 1 Series 2012 (62) - 2.0 118d Exclusive Edition Euro 5 (s/s) 2dr

Bought this car 3 weeks ago and it is still under warranty. In the pics you can see a barcode sticker on the car in the showroom at the bottom of the screen. When I bought the car it was at the top of the screen. When I eventually went to wash the car I pulled the barcode sticker off and found this massive chip. When I contacted Motogurus Russ told me to lie to my insurers and that they would pay the excess. I said I don't do things like that as it's considered to be fraudulent as I didn't do the damage. They are now refusing to fix it or give me a full refund for the car as it is also making a noise when I drive it. I have emailed them to book it in to have a look at it but so far I have heard nothing. They are more or less insinuating that I am lying. I have since reported them to both my insurers and I have contacted the ombudsman. I am waiting to hear what my next course of action is. Had I have done the damage I would happily have gone thru my insurers. Now I'm stuck with a car that is going to cost a fortune to replace the windscreen which I can't afford. In reply to MotorGurus reply they are lying. I would like to know how it passed the MOT with that massive chip?...I am not a liar which is why I wouldn't go through my insurers. I wished I had now because blatantly it doesn't pay to be honest. Plus I only got the appointment after I had posted my review. They think I won't turn up but I am cos I want my money back. They can deal with the ombudsman. Please do not buy a car from these people. What car dealers tell their clients to lie to the insurers?????