Disappointed Howler Customer

We booked tickets with Howler for the international Tequila festival 2020 in Johannesburg and with our tickets we took insurance out with Howler in the event of of cancellation. When the event was postponed due to Covid they didn’t want to refund us in full as apparently the insurance didn’t cover Covid lockdown and offered us 50% refund or we could wait for the new event. Which is ******* and ********* I think😡 Now after two years I mailed Howler in Feb to ask if my tickets is valid for the new festival called The tequila and Mexican food festival in May 2022 and was told that it was. I made arrangements with friends to go with as Howler said my tickets was valid only to be told again that is wasn’t again after I contacted the event organiser to found out why the event changed from unlimited tequila to none that this is different event as I booked. Again I was only offered a 50% refund or could wait for the event to happen if it ever will 😡I mailed Howler the 5th of April my complaint and still didn’t have a response which show how ******* they are.