Open Question: why was my travel insurance's claim rejected? how do i make a contest?

i had cancelled my scheduled trip to Thailand that was scheduled on 09 April 2010 which was booked on 22 Feb 2010, due to the unrest in Bangkok, The following sections of the Policy Wording came from the interpretation of the policy: PART 7 - BENEFITS SECTION 5A â€" TRAVEL CANCELLATION If, during the Period of Insurance, an Insured Person is forced to cancel any part of a planned Journey prior to the commencement of that Journey as the direct and necessary result of any Specified Cause, the Company will indemnify the Insured Person in respect of Cancellation Expenses occurring up to thirty (30) days prior to departure, up to the Benefit amount as specified in the Certificate of Insurance subject to the terms and conditions of this Policy, provided always that this coverage is effective only if this Policy is purchased before the Insured Person becomes aware of any circumstances which could lead to the disruption of his Journey. ADDITIONAL DEFINITIONS Specified Cause means (i.)the Insured Person dying or becoming ill or sustaining Bodily Injury rendering the Insured Person unfit to travel in the opinion of a Physician; (ii.)the death, of the Insured Person’s Family Member or Bodily Injury or Sickness of such person necessitating him to be Confined to a Hospital; (iii.)compulsory quarantine, jury service, subpoena or hijack of the Insured Person; (iv.)cancellation of scheduled Public Conveyance services consequent upon Strike, Riot or Civil Commotion; (v.)the Insured Person’s residence becoming uninhabitable following fire, storm, or flood occurring such that the Insured Person’s presence is required on the premises on the Scheduled Departure Date; where, for paragraphs (i) to (iv), the events mentioned occur within thirty (30) days before the Scheduled Departure Date, and for paragraph (v), the event occurs within seven (7) days before the Scheduled Departure Date. My insurer inform me that I was the one who decided to cancel my scheduled trip to Bangkok and there was no prior notice from the airline that the flight was cancelled, therefore not meeting the terms and conditions highlighted above, their advise that the Policy will be unable to respond to the claim for Travel Cancellation Benefit. How do i go about getting justification?