Tata Aig — Travel insurance

Address:	Mumbai City, Maharashtra, 411003
Website:	tataaiginsurance.in

Policy number:claim ph204319/0094056

I was travelling to usa and canada in the month of june.
I baught tata aig travelin insurance to cover my travel.

While travelling on british airways from toronto, canada to mumbai india, my flights stopped for layovers in dublin and london.

The airline lost/delayed my baggage in london and i reached india without my luggage. Apart from looking for my luggage and clearing all paper work which took 3 hours in mumbai (I got out from the airport at 3:am!) i was also travelling straight to bangalore for work thus had buy a lot of things.

I received my luggage after 2.5 days to my permanent address in pune.

The insurance company refused to give me my claim saying the policy documents says "claim for baggage delay not applicable in republic of india"

How generalised is this statement? Just because i was travelling to india in my final leg they wont give me my claim? Even though the luggage issues happened in london?

Basically their document does not particularly state that if you reach india you will not get the claim from return journeys!

Any layman will think it is the other way round!
And this statement has two meanings.
They may tell somebody who is flying to london that their baggage was lost in india so not applicable.