[Bobbins]

So, to repeat my earlier question, is the 28 day thing to do with Foreign Office advice not to travel?

If that is the case then it's pretty outrageous if insurance companies won't pay if someone cancelled too early if the advice remains in place within 28 days of travelling. I can't believe the Financial Ombudsman Service would deem that acceptable, especially if you'd cancelled early to minimise your losses.