Red Pennant "will not cover anything Coronavirus"

I contacted Red Pennant regarding coverage of Coronavirus related claims i.e. cancellations and received the following response:

"I have discussed this with a Team Manager who is in charge of Red Pennant. They have confirmed to me that underwriters would not be able to cover anything Coronaviurs and it applies to both all new policies and also any existing policies. If you were abroad when the COVID-19 virus started shutting down the borders of foreign countries, then the Red Pennant would extend until you would find yourself back at home. 

It is worth noting that you can contact your travel operator to request a refund for any ferry journeys that have been cancelled due to the Coronavirus. In regards to any Red Pennant Single Trip cover, as long your trtrip start date has not passed, you can receive a full refund."

I purchased a single trip policy in January for a trip starting in May. At the time the club happily took my money for the policy Coronavirus was not even mentioned in any of the policy terms and conditions so the club is now unilaterally changing the contract they entered into with me at that time.

This is an absolutely disgusting way to do business at best. I suggest everyone who currently has a Red Pennant policy contact the club directly and get their own confirmation of the stance for their own trips if cancellation is necessary for them.