Santam will not honour a genuine travel claim

I took out travel insurance with Santam. During my trip in Italy on our return to South Africa the train broke down so we missed our connecting flights back home. We had to stay an extra 24hrs in Venice. So we had to stay in a hotel and obviously eat something that night of the delay. All in all I trip was delayed by 24 hrs. I subsequently put in a claim for the hotel expense and food. Santam refuses to honor the claim since they apparently have a condition that the delay in transport must be greater than six hours. The train was almost delayed by 2 hrs but because of this we missed the flight so the whole trip was delayed by 24hrs. They conveniently refuse to refund my hotel bill and meal at over 250 Euros.Stating this 6 hr condition ignoring the fact that we were delayed by 24hrs. Well done Santam as a big corporate! well done! for *****ing over the man in the street. Bravo!Bravo! Are my Family meat to sleep on the streets in and eat out of the dustbins?