We booked a cottage for a week through AirBnB. 22nd to 29 th. It's in Tier 3 and we are too.
They are not allowed to be open for all that time (and we are "advised" not to travel)
The owner has said "well the other cottage letters are coming" and won't refund.
She has offered a partial refund if we cancel entirely.
We have travel insurance that covers not being allowed to travel. But we are worried if they don't pay out we will lose it all and if we cancel and she doesn't relet the insurance won't look at our claim because we cancelled.
Any advice?