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Surprised this statement on FCO site for France give the necessary right to claim on insurance. After all it’s not essential travel. Reading again I wonder if they don’t have insurance as the travel company have advised them to claim and use the fco guidance as a reason.
COVID-19 Exceptional Travel Advisory Notice
As countries respond to the COVID-19 pandemic, including travel and border restrictions, the FCO advises British nationals against all but essential international travel. Any country or area may restrict travel without notice. If you live in the UK and are currently travelling abroad, you are strongly advised to return now, where and while there are still commercial routes available. Many airlines are suspending flights and many airports are closing, preventing flights from leaving.
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Alan_tbt
Yes, that's the point. The chalet is saying they're open so no refund. The insurance company is saying they won't pay out becuase the chalet hasn't cancelled.
The fact that you can't actually get there is a separate matter, it's one of the problems of booking trips yourself instead of a package.
If it had been booked as a package holiday then there wouldn't be a problem with a refund or insurance claim.