Many people have been left high and dry by their insurance companies after many places in the south were put into lockdown and people were unable to go on holidays. Now, some policies may have had small print preventing a payout due to COVID-19, but I know this isn't the case with all refusals. In one instance, one company told a customer that advice from the Welsh Government is irrelevant and they only accept advice not to travel from the Foreign and Commonwealth Office. Now, I hope your Government will agree with me that Welsh-imposed restrictions shouldn't be considered any less than Westminster-imposed ones. Will the Government, therefore, make a clear statement on the legal status of these restrictions in Wales and how they should impact on insurance policies? I know that representations have been made to the Association of British Insurers, but it wasn't clear from the First Minister's answer whether a legal statement, which I've asked for, has been made, and they don't appear to have made any guarantees with regard to refunds for all, and they absolutely should. It would be useful for us to have a statement to hear what else the Government can do to ensure that those people who are refused their holiday refunds get them.