Iam sorry but I cannot give you good news. I'm afraid you are indifficulty here.
I have to tell you the truth.
I am sorry but it would be wrong of me to avoid givingyou the downside of your position.
I do understand why this is frustrating but theproblem is that, under the law of contract, this was available to you. I dorealise that you will circumstances changed but I'm afraid that is not thefault of your contractual partner . It is very unfair but these things happensometimes sadly and the difficulty is that it is not caused by a breach on thepart of the holiday company or the insurance company .
Therefore I'm afraid they are not liable as this wasjust simply a choice because your circumstances changed which is understandablebut it does not give rise to a claim
Do remember that I can only give you myopinion.
Another lawyer may have a different opinion.Litigation needs at least 2 parties and neither goes to court expecting tolose.
Nonetheless, one of them does, even thoughthey have been told by their respective legal advisers that they have a goodchance of success.
If there was a black-and-white answer toevery legal problem there would be no need for anything to ever proceed tocourt.
The ultimate decisioncomes from a county court judge in a civil case or from the magistrate in acriminal case heard in the magistrates court or the jury in Crown Court.
Hopefully, I haveanswered your query in a way that is simple and easy to understand. If anythingremains unclear, I will be more than happy to clarify it for you. In themeantime, thank you once again for using our services.