We booked to go away in October 2024 but had to cancel due to possible relocation in that month. We cancelled in June so gave plenty of notice. We took out their insurance as a precaution. Do not waste your money. It is with a third party company Called Davies Group Insurance and is not worth a penny. There are only three ways that you will get your money back - loss of limb, certified illness and death. Sykes are impossible to get hold of. Companies like this should not be allowed to operate. Consistently bad reviews and no customer service to speak of. We lost our money but with the bad reviews I think we got away lightly. Both companies should be ashamed but doubt that they are. AVOID.