Cleartrip — cancellation charges

Dear sir
We (Four passengers) were travelling from kathmandu to chennai via bangalore.
We had original ticket with nepal airlines on 30th dec. For technical reason the flight was cancelled. After substantial effort nepal airlines agreed to give alternate ticket on 31 st as per details given below:
Ra 205 to delhi
Ai502 to bangalore.

Based on the above we have booked for 4 passengers from bangalore to chennai by spicejet ticket number [protected]. Leaving bangalore at 8.25 pm. While booking we saw an option of zero cancellation charge by taking icici lombard insurance. Accordingly we took insurance for all the four tickets.
Today morning nepal airlines took off from kathmandu at 8 am and due to congestion and fog it could not land in new delhi and went back to kathmandu.in view of the above subsequent connecting flight to bangalore got cancelled.
The purpose of taking insurance against flight cancellation and zero cancellation charges was specifically for covering such unexpected situation totally not in the hands of the customer.
To our surprise we find a heavy amount has been deducted as cancellation charges and only a small portion of the amount is being refunded.
We are very upset with this action and your ticket booking website has totally mislead us incurring financial losses.
Please look into this matter and do needful to get our full refund. We will be left with no option except to go to consumer court if it is not resolved at your end.
Regards
Vignesh nandakumar