Booked a stay in December before London went into lockdown.
Politely requested a refund which was refused, and was told by the host in so many words if I hadn't been stingy and paid a whole extra £20 I would have been insured for covid related cancellations.
You'd think they could overlook this oversight given the circumstances we're all in, but clearly turning a profit is more important than decency and good customer service to this host.
Bianca was extremely condescending and quite unhelpful
So all in all they've made £120 for doing sweet FA.
Will be more careful in future and always read every option when it comes to cancellation and insurance policies.