Refused refund

A negative rating if I could.

In March 2020 I took out travel insurance with INSUREANDGO for a domestic trip to Tasmania in June.
Due to the Covid-19 travel restrictions as they relate to closed state borders I am unable to travel.
As such the policy is of no use to me due to circumstances beyond my control.
Until recently, many Aussies who had to cancel holiday plans due to coronavirus have been unable to claim refunds for travel insurance. However, a recent announcement by the Australian Competition and Consumer Commission (ACCC) suggests that might be about to change.
On 2 April, the ACCC confirmed it would be letting brokers and insurers work together, to implement a range of COVID-19 relief measures for small businesses and everyday Aussies.
One of the benefits included in the relief package is the ability for consumers to claim refunds on unused insurance policies, which includes travel insurance, as long as the trip was cancelled for reasons related to COVID-19.
"All policyholders, including consumers, eligible small businesses and larger businesses, who cancel travel plans will be able to get a credit or refund for any unused travel insurance premiums, again without administration or cancellation fees." – ACCC
So far, the authorisation applies to Suncorp, Allianz and QBE. But the ACCC has said any other insurance company or broker is welcome to participate, as long as it informs the ACCC.
I contacted INSUREANDGO asking for a refund but was refused as I was outside the normal 14-day cooling off period. I was told to lodge a complaint, which I did. I await their response.

To me it’s unethical for INSUREANDGO to keep my hard earned money for an insurance product I didn't get to use.

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