When booking any holiday UK/Abroad we recommend booking holiday insurance for peace of mind at the same time. As far as Covid is concerned, if the government introduces either a local or national lockdown guests get a 100% refund. However,,, as before Covid all other related travel risks are the travellers responsibility. For example, called up for Jury service, have an accident just before travel, someone in your group being unable to travel due to illness or, self isolating these are all the travellers risks. So to cover these risks it is necessary to arrange travel insurance to assure peace of mind.