Insurance company denied my claim under Temporary Registration my car.

I have buying a Toyota Etios GD for comercial purpose , at the time of buying I have done a Comercial Insurance from CHOLA MS Insurance , and the showroom has given me the TEMPORARY REGISTRATION for 1 month, Unable to get the R.C due to not getting the Permit Issuance certificate from Transport Commisioner, but sudenly my car got road accident due to road issue , no thired party was injured during the accident, I have submited the Police Report also to Insurance company, but they have denied the claim , as I don’t have the R.C and permit, and isurance company also told me that as the place of accident is not my home town so that as per comercial vehicle rule they are unable to provide me the claim, Is this the valid reason ? How should I approach the insurance company to avail the claim? What are the act as per IRDA ? Kindly suggest. You suggesstion is very valuable for me.