We bought from AIG during our 10 days travel to Germany last Sept.
just paid rm137 + rm10 stamp duty.

claimed 1 day delayed baggage by just sending all documents scanned. no hard copy...
about 2 weeks, they banked in rm1.2k to my account.
the airline paid usd40.

i think it's good.

I think it's 6 hours too...
I can email you the brochure the agent gave me if you want...
PM me the email add...

I believe, if this kind of delay (they informed you earlier that the change of date of travel) then they will not cover.
I think laa...
It's not that you already at the airport, checked in and then they told you flight delay.