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Did you have travel insurance in place?
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Whether you are entitled to a refund is largely dependent on how the holiday/B& B was booked.
If you booked a non-refundable room and had to cancel your booking because you are worried or because of the travel restrictions in place, I have to be candid in saying that you are unlikely to be entitled to a refund from the provider. The B&B is likely to say that the room is available and the cancellation was not due to any fault on their part.
However, as the government has advised against travel to this area I recommend that you check your travel insurance and the terms and conditions of your accommodation. If you have booked a refundable room and cancel according to the terms and conditions, then you should get a refund from the provider. You may find too that it was a packaged deal. Contact your travel insurance company and also contact the B&B to ask for their terms and condition, you need to look in particular what the terms and conditions say in relation to cancellations due to no fault on your part.
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All the best
I completely understand that position. The B&B is likely to express similar views. That is why I recommend looking to your insurers, do not dismiss the fact that this is likely to be covered by your policy. Give them a call.
you are welcome!