[Resolved]  United Insurance Co. Ltd — Lost mobile

I have purchsed a mobile (Nokia N-73) from my HDFC credit card (Card no [protected]) on 21st august,2007, I have lost my mobile on 23rd august, 20007 in the market when i was purchasing some grocery.
When i have contacted HDFC credit card department he has given me a no . o[censored]nited Insurance co ltd,After sending details of bill and covering letter, he is saying that mobile is lost in public place which is out side the scope of policy.
" things are always lost in public place not in home" I need my problem will resolve as soon as possible.
AS per agreement if i lost or stolen any thing which i have purchased from credit card, i am insured of Rs 50000.
Now i need justification about it