We were due to fly with British Airways from Manchester to Delhi via London on the 29th December (ticket was purchased from MAN to DEL). There was a fault with the Manchester flight which took so long to resolve that BA could not get us to London and as a result we missed our flight to India. We travelled the following day and arrived 24 hours late.

We stayed at Manchester Airport overnight and wrote to BA on the 30th December to claim the costs but have not heard back yet. Meanwhile, we wrote to our travel insurance (British Airways own so called Deluxe Travel Insurance policy) and have been informed that travel delay only applies to delays to our international flight not internal journeys and that our international flight was not delayed but missed because of cancellation of the internal flight and they are therefore unable to consider our claim. Where do we stand on this? As far as I am concerned we booked a flight to Delhi from Manchester which involved a transfer in London?