If you paid you car insurance and then didnt make a claim on it, would you expect to get the premium back? Insurers were on risk come what may......

From the other side of the fence, I am involved with a small museum that advance sold tickets, and when covid shut it down, we had to deal with the issue of refunds etc. We had business interruption cover.....would they pay - nope, the pandemic did not count, even though they lost the case (and on appeal) they did not pay on the basis that we were not specifically told to close by the authorities - evidently the government general requirement didn't count. If we had burned down, they would have paid. Did we get our premium back - nope.

Moral of the story - never buy this sort of insurance as an individual - do you buy extended warranty on white goods? If yes, dont!! But if you must buy it, read the policy wordings intensely, then dont buy it. Also, remember a pandemic is an act of god, whether you believe or not