We had a holiday booked in Scotland in the summer which had to be cancelled at last minute as my husband and son had COVID. We (luckily) had insurance which covered this eventuality. However, we are really struggling to get a confirmation out of the owners that they did not give us a refund or give us vouchers or allow us to rebook (something which the insurance company are insisting on). Without this it is going nowhere. We have called them and emailed over a number of months and although they have appeared sympathetic they have done nothing. This is a small family business, so it is not even a case where I could phone a head office number Ito ask if someone else could help. It is really too much money to give up on - does anyone have any suggestions?