Travel Insurance - Part payout on villa deposit
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Obviously our holiday this year was cancelled, I'd paid a deposit for a villa, the villa owners refused to return the deposit when we couldnt travel due to covid. I went through my travel insurance to get the money back, however as the villa was booked for 8 people, they have only paid out for myself and my partner, stating the other guest need to claim on their insurance.
However the booking details just say my name + 7 guests, there's no names of other guests, and in fact no one else was going to be paying (although not sure that changes anything). I fail to see how my other guests could claim on their insurance for a villa they didnt pay for and have no documentation to say they were expecting to travel to. I could maybe understand if the booking documents listed each guest by name. I've raised a complain, but its been 3 weeks without any response.
Do I have a leg to stand on? Should I try claiming through my credit card provider?