Inapproriate travel insurance

We travelled to the UK from South Africa in August 2017. On arrival, our luggage was lost for over 24 hours. We had taken out travel insurance which was supposed to cover us for replaced emergency clothing, which we purchased. However, when we tried to claim this back, this was the following response:

We acknowledge receipt of your correspondence concerning your claim for luggage delay and are very sorry to note the circumstances described. From a review of your claim, we note that your luggage was delayed following your flight from Johannesburg to London. At this time, may we kindly refer you to the policy wording booklet, specifically page 10 under the heading of Period of insurance where it states the following. Period of Insurance Your holiday or journey must begin and end in your home area, (unless you have arranged cover for a one-way trip). Cover cannot start after you have left your home area. We must now point you to page 13 under the heading of Home Area where it states the following. Home Area The area you normally live in which in accordance with our residency requirements (see page 10) would need to be within the UK or the Channel Islands (Please note that for the purpose of this insurance each of these areas is defined as a separate area of residence). Having reviewed your claim, we note that the journey started in Johannesburg and not the UK, and therefore is not covered by the policy. Unfortunately, in view of this, we are unable to accept liability for the claim on this occasion.

I have emailed the company with the following response:

I note your points but am confused as to why you provided me with the policy if it was not going to cover anything.

I am a British Citizen residing between South Africa and the UK. I paid for this flight ticket and insurance policy with a UK credit card (registered at my UK address). If the policy was not going to cover my needs, then why did you accept .

I have yet to receive any feedback. POOR SHOW!!!!!!!!