Delayed Cruise not reimbersed

My claim has been rejected by Hollard your insurer. After i have done everything in my power to make the necessary arrangements not to miss our flights. I called your offices on the 25th of January and spoke to Paul to make sure we would arrive in Durban on time not to miss our flights and was reassured we would not miss our flights and cruise will not go to Port Elizabeth but straight to Durban. The day we arrived at the port i went to the information desk to make sure we would arrive in Durban on Monday morning so we dont miss our flights and was again reassured we would arrive on time in Durban. When we boarded the ship again went to Customer Service to make sure we would arrive on time and again reassured we would arrive on time. We found out the evening of the 26th of January that we would only arrive at 13:00 in Durban and this will result in us missing out flights. We then told we can claim from the Insurance who is now not paying. So who will be paying my money back for a delay that was not within my control and an Insurance Policy i was forced to take because they are affiliated with MSC?

Who will reimburse me for my inconvenience?

Hollard is now saying MSC will reimberse me...since when?