Complaint regarding mobile insurance from Apps Daily

I have purchased samsung J7 mobile on 28/04/2016 from Spice HOTSPOT situated in South Extension part1 New Delhi.
On 13/06/2016 I have lost my mobile while travelling in bus, I have registered the FIR in Kotla Mubarakhpur Police Station with FIR No. SD-KMP-000121.
I have insured my mobile with the insurance company named as APPS DAILY, so I claimed my amount of insurance but they refused to pay it by simply saying that your mobile is lost due to your mistake and its tour fault so we are not liable to pay in such condition.
Although this type of condition is not mentioned anywhere on their insurance paper which they have given me.
I have also contacted IRDA for the same purpose but they told me that APPS DAILY insurance company is not registered with them that means APPS DAILY is a fraud company and still its growing in our country by fooling the people and the government. Can you please look into the matter and do the need full.

Sushil Kumar
New Delhi 110049
Email: Sxxxxxxxxxr@gmail.com
122.160.17.73 / 15/07/2016 / 1:03 pm