My iPhone 5S, bought from Laxmi Nagar with insurance, was stolen on December 5th. I reported it to the insurance company, but they're refusing my claim because the SIM in the phone wasn't in my name. This wasn't mentioned in the terms and conditions I sig

My iPhone 5S, bought from Laxmi Nagar with insurance, was stolen on December 5th. I reported it to the insurance company, but they’re refusing my claim because the SIM in the phone wasn’t in my name. This wasn’t mentioned in the terms and conditions I signed, yet they won’t even forward my claim to the insurance company, saying it will be rejected. I insured the phone, not the SIM. Why does it matter who was using the SIM? I can buy a phone for anyone, and they can use any SIM they want. They’re being unreasonable, saying there’s nothing they can do. The claim amount is Rs. 20,000. What can I do?