I took out a one year annual holiday policy April 19. I booked my holiday flights pre Covid. The flights were not cancelled departing 18th March so I had to go otherwise lose all of the money. My return flights were cancelled after I got there with no explanation. It cost me a lot to get back. When I claimed they said I wasn’t covered for Covid because the flights were during the Covid pandemic. They are more than happy to take your money and happier still not paying out. I recommend not using this company or Allianz the parent underwriter. In fact I wouldn’t use these brands for anything. Totally dissatisfied and definitely not trustworthy.