Holiday refund for the coming weekend - who pays?

[TeenTitan007]

We had booked a weekend away - just a cottage for the 4 of us in the family - to have a change from everyday things as we haven't had a holiday since summer 2019.

As it turns out we are now Tier3! Can we still go? I am assuming not. Is there any way to claim a refund for such a situation?

The cottage owner is an individual and when we discussed this possibility Jen booking he told us that since any new tier announcement would happen on 16th with effect from 21st, we don't need to worry about it. Guess that didn't work out for us.

Does travel insurance cover us? Should the cottage owner return our money? Should we bear the loss? It's £600.

www.which.co.uk/news/2020/12/new-coronavirus-restrictions-in-england-scotland-and-wales-what-it-means-for-holidays-in-the-uk/

Tier 3 restrictions in England People under Tier 3 restrictions, should avoid travelling to other parts of the country or stay overnight elsewhere in the UK, unless ‘necessary’. If you are prevented from taking a booked holiday in the UK, you should contact the provider and ask for postponement or if that doesn’t suit, a full refund. As with previous lockdowns some holiday cottage companies and other service providers may dispute refunds. We believe, based on CMA guidance, that those affected by Tier 3 lockdowns are due a refund
www.which.co.uk/news/2020/12/travel-and-holiday-rules-for-tier-2-and-tier-3-restrictions-qa/

Read more: www.which.co.uk/news/2020/12/travel-and-holiday-rules-for-tier-2-and-tier-3-restrictions-qa/ - Which?

@DontAskForMedicalAdviceOnMars thank you so much.