i got this reply for my travel insurance...
Dear XXXXXXXXXXX,
We are sorry to hear about your travel delay.
We regret to inform you that we will not be able to meet your request for compensation.
In accordance with the policy wording, Section 17.3, the insurance cannot be held liable for any unused accommodation expenses or no-show fees in connection with travel delay.
For that reason we will not be able to reimburse you for the claimed expenses.
If you have any questions, please do not hesitate to ask.
Kind regards
Travel Claims
XXXXXXXXXXXX, Travel Claims, Bupa Global Travel