Holiday company refusing to cancel and asking us to cancel

Hellosal · 1 May 2020 at 4:45PM

We are due to go on our honeymoon next week but as the FCO has adviced against travel the tour company can not provide us with this trip. They asked us to wait until 2 weeks before departure to ask for a refund. We called 2 weeks before and then asked us to write an email asking to cancel and they could offer us a refund credit voucher. We don't feel comfortable cancelling because we wouldn't then be protected by ABTA, credit card or insurance. Although now our insurance company are saying they will not cover if the FCO has advised against travel! Our credit card team is happy to dispute this but can take more than 60 days and is not guaranteed. Our holiday is on Tuesday but do we ask for the holiday to be cancelled, risk the company saying we breached contract and throw away our protection with the credit card. Or do we not cancel, dispute with the credit card and risk that not been guaranteed as well.