I haven't been on holiday for years and haven't ever thought about travel insurance from a "cancelled holiday" perspective - always health but given the various reports of flight cancellations, I think I need to make sure I've got adequate cover.
Do most insurance policies cover the cost of accommodation? Is that just a given or is it only package holidays? We have a villa and by the time we fly, any cancellation means we won't be entitled to any money back. Thanks in advance.