How to get refund if flight still going

Our Ryanair flights are still going to Portugal on 5th July but we do not wish to travel. Speculation is that travel corridors will not include Portugal anyway, and even if it was included, this is from 6th July, the day after our booking. Also, currently FCO advice is essential travel only. I booked the flights through last minute.com, who say I can move the flights to next year at a cost of 700 euros (almost as much as the original flights!) I cannot get a reply from Ryanair, and my annual travel insurance with Marks and Spencer will only accept calls if our flights have been cancelled. I did pay on credit card in January. What is the best way to attempt to get a refund please?
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