Post Office Single Trip Insurance - Refusal to payout (purchased pre-corona) - Advice Please

Lozza_UK

Feeling furious over Post Office single trip travel insurance failing to pay us for our lost holiday deposit due to our EasyJet flights being cancelled.
Our holiday was due for the end of June. We purchased our Post Office policy back in February well before any Corona Virus issues.
We thought we'd have been covered from either our flights being cancelled or that the governments advise against travel.
I'd really appreciate any help or advice. I feel completely screwed over here by the Post Office and wonder what the hell their insurance actually does cover!
Failed claim notice below:

Thank you for your recent communication in connection with the above travel insurance claim. We have seen exceptional demand for our service since the Coronavirus outbreak. In response to government advice, we have taken some precautionary measures and have put the safety of our staff first resulting in reduced staffing levels. Please accept our apologies for any delays that may have occurred in our response to you during these unprecedented times.
Having reviewed your claim in line with the conditions of insurance, We regret to inform you that we will not be able to offer settlement of your claim on this occasion. We respectfully refer you to Section A - Cancellation or Curtailment on page 24, where you will note that cancellation cover applies due to one of the following reasons:
• Unforeseen illness, injury or death of You, a Close Relative or any person with whom You have arranged to travel or stay during the Trip.
• You abandoning Your Trip following the cancellation of or a delay of more than 12 hours in the departure of Your outward international flight, sea-crossing, coach or train journey, forming part of the booked Trip’s itinerary, as a result of Strike or Industrial Action (of which You were unaware at the time You either booked the Trip or purchased this policy, whichever is the latest), adverse weather conditions, or the mechanical breakdown of, or accident of, the aircraft, sea vessel, coach or train.
• You or any person with whom You plan to travel being called up for Jury Service or being subpoenaed as a witness in a court of law (other than in a professional or advisory capacity).
• If You are made redundant and You qualify for redundancy payment under current legislation.
• Your Home being made uninhabitable or place of business being made unusable (including if Your presence is required by the Police in connection with such events), up to 7 days before the commencement of Your Trip.
• Your compulsory quarantine.
• You or Your travelling companion having agreed leave subsequently cancelled by the emergency services or armed forces, for operational reasons. This cover does not apply to cancellation of leave due to war, invasion, acts of terrorism, hostilities (whether war be declared or not), civil unrest, revolution, rebellion, act of foreign enemy or any similar event."
Your policy carries the following exclusion;
We Do Not Cover;
o) prohibitive regulations by the government of any country, or delay or amendment of the booked Trip due to government action;
From the information provided it appears that you are claiming for the costs of your holiday due to the destination of travel being in lockdown or under local government restrictions. Whilst we do not wish to appear unsympathetic, for us to consider a claim the circumstances leading to the claim must fall into the scope of cover provided as detailed above. As the circumstances giving rise to your claim do not fall with scope of cover I regret that we are unable to offer settlement of your claim on this occasion.
Please refer to your credit card provider, tour operator or travel and accommodation provider about the possibility of refunding or rearranging your trip.
We do appreciate that you may be disappointed with this outcome, but we hope the information we have provided within our response has outlined why we are unable to offer settlement in the circumstances giving rise to your claim.
Once again, please accept our apologies for any delay in the response to your claim. 
Yours sincerely

Many thanks

Laurie

gettingtheresometime

Why aren't EasyJet refunding you?

Nebulous2

All insurance is not the same. I have always bought insurance on the medical cover, and landed lucky that my insurance covered curtailment on the basis of FCO advice against 'all but essential travel' 

Having said that, insurance is effectively a last resort. They will expect you to claim from travel company and credit card first. If your flights were cancelled the airline would be responsible for the refund, either directly or via a travel company. 

Lozza_UK

It would have helped if I'd have said that this is for the campsite deposit return and not the flights which fortunately were refunded by Easyjet (eventually)

Apologies 

Hasbeen

Lozza_UK said:

It would have helped if I'd have said that this is for the campsite deposit return and not the flights which fortunately were refunded by Easyjet (eventually)

Apologies 

LOL Ok. How did you pay for the campsite deposit and how much?

Lozza_UK

Paid via Barclaycard and it was nearly €200.

lisyloo

Hasbeen said:

Lozza_UK said:

It would have helped if I'd have said that this is for the campsite deposit return and not the flights which fortunately were refunded by Easyjet (eventually)

Apologies 

LOL Ok. How did you pay for the campsite deposit and how much?

Was the campsite closed?
have you looked at the ts and cs of that booking?
have you asked them for a refund if they were closed?

blindman

Lozza_UK said:

Paid via Barclaycard and it was nearly €200.

Was the camp site open to tourists  at the time you were due to arrive?

Lozza_UK

Yes, campsite reopened a week before.

blindman

Lozza_UK said:

Yes, campsite reopened a week before.

Then IMHO you are not entitled to a refund from either them nor insurance.
Go back to the campsite (Who are?) and ask politely for a voucher  as a "goodwill" gesture (they do not have to provide one).

You could try a charge back but I doubt it would work as the facility was open.
Not their problem you could not get there.