Stayforlong - Chargeback possible or Leisureguard Insurance?

SCOTF

Hi all, Looking for advice on my holiday. This was booked and paid for in September 2019 through Stayforlong.com and insurance (Leisureguard Premuim) purchased in Feb 2020. 
Family were due to visit Spain for 2 weeks in August. We found quite bu accident out in June this year that our hotel was closed and will not open this year. We contacted the agents to check what the situation might be in July and heard nothing.  We contacted again several times and heard nothing. Mid July, we contacted the hotel directly, who advised that the booking had moved to another hotel in the chain - (This is fine in principle and may likely be seen as a minor adjustment as it has an equally good rating). 
Since the Spain announcement at End July, we cannot reasonably go due to FCO travel advice / insurance invalid etc but have not cancelled, and so have requested via Stayforlong if there is an option to postpone. We heard nothing. We contacted the hotel, who inform us they have received the booking money (relief), and they are checking with their 'inbound' agents to see if we can postpone to 2021. Things have been quiet for a few days  so I have sent a polite chasing email. 
We are due out in 6 days. We have heard nothing from our agents Stayforlong  since the start of this and feel totally abandoned. Our travel voucher on our agents website still shows a hotel that we know to be closed. The hotel chain seem to be very helpful but i guess we are at the whim of their agents. My questions are:
1) Have Stayforlong reasonably upheld their end of the agreement? If we had not contacted the hotel chain, we would be getting a taxi to a closed hotel. There has been ZERO response from them. 
2) Could we reasonably start a chargeback due to this? 
3) I would be happy to accept moving the booking. If there is a charge for this, say £200, would our insurers be likely to cover us. We bought pre-covid and have demonstrably attempted very hard to minimise our losses and liabilities and have a paper trail to demonstrate this.
4) If we were told that we cannot rebook, what would be the advised course of action? Ideally we DO want to rebook for next year so will take this option if given.

If anyone has any other thoughts they would be gladly received and greatly appreciated.

  

SCOTF

Just an addition, I contacted Leisureguard today to check my policy. Given that we have a premium cover, I wad told that we are not covered for any disruption or accommodation matters, and the policy covers health only! Am I being spun a lie? 

sheramber

Read your policy document 
What does it say?

SCOTF

Yes i have been through the policy several times, and as you would expect, it is a minefield. 
The only sections of relevance are:
What you are covered for: We will pay you up to the amount shown in the summary of cover per each insured person for the cost of providing other similar accommodation if your booked accommodation cannot be lived in because of a fire, flood, earthquake or storm.
However - this seems relevant for curtailment, rather than cancellation. It makes no mention of the hotel being closed. 
CANCELLATION OR CURTAILMENT OF YOUR TRIP We will pay you up to the amount shown in the summary of cover for the unused portion of your travel and accommodation costs (including Inter Rail ticket costs) that you have paid or contracted to pay and you suffer a financial loss because you cannot get a full refund if you cancel before the start of your trip or cut your trip short and return home early during the period of insurance because of the following: 1. the death, bodily injury, illness or being subject to quarantine of you, a close relative or any person you have arranged to travel or stay with during your trip; 

Does this apply? Seems vague - the quarantine will be in the UK but is the direct reason we cannot go on holiday. 

IF there is no route through the insurance, would a charge-back likely be successful? Presumably the agency have to inform us that the hotel is closed, which they still have not.