On 7th. March 2020, I booked and paid for an annual multi trip insurance through payingtoomuch.com for a cruise my wife and I were to undertake, as I had booked a cruise holiday with P&O for the Norwegian Fjords. The departure date was to be 5th. September. However, because of the corona virus issues, I received an e-mail to tell me that P&O Cruises have now made the decision to temporarily suspend all cruises for guests until 15th October 2020 meaning that our trip had been cancelled. P&O have now proposed to issue vouchers (or refunds) for the trip. My wife and I made the decision to simply put the cruise off until 2021. We intend to take the same/similar cruise but at this point, we have not been able to re- book it as we cannot yet confirm dates. We therefore re-booked for May 2021. Clearly as Home office advice 10 days after we took out the policy, on 17th March prohibited travel abroad, we have not done so. I was wanting to know if there was anything I could do to amend/adjust or cancel the policy I have taken out or if it could simply be deferred to include this new cruise. I sent the request initially to the insurance company itself (not paying too much) and after a month (due, I imagine to the coronavirus issues) they responded and said they could not see any reason why this could not be done but said I had to contact the broker to confirm. I then sent the request to paying too much who e-mailed me back saying "We would be very happy to look into amending the policy to cover new (even provisional) dates, but can’t do so directly via email I’m afraid. Please contact our team on 01243 784000 and we will be pleased to assist you further." Which I duly did and was told by a very rude representative - Tyler, who indicated that the previous correspondents were wrong in giving me that advice "I am a team leader and I know what I am talking about". He informed me that I only had 2 options 1. let the policy run its course - but I wasn't going anywhere for the next 10 months and the policy would have expired by the time my cruse set sail. or 2. cancel and receive around half my premium back! Shoddy customer service, I imagine by Tyler as the others within the organisation seemed to view my request positively.