Cruise Cancelled - No claim and still won't refund or credit

Purchased travel insurance with AllClear for the first AND LAST time. Our cruise was cancelled by RC and was informed that AllClear may be able to credit to another cruise trip. Upon checking this AllClear has now denied the option to credit to another trip even though we have not made any claim. They are part of Insure and Go so don't use them either. Now involving ACCC.

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