Bryte? Not recommended!

We travel about once a year and, like in the past, we took out our travel insurance from Bryte Insurance Company. What a terrible mistake! One buy travel insurance to cover you in the unfortunate event of illness, loss of personal belongings, and I am sure - in case of travel bans between countries due to a global pandemic (which was not excluded in the contract). Our trip was not fully paid up, but each of the 18 members of our group paid more than half towards the trip in advance. With Covid blowing in our necks, all borders were closed and flights were cancelled. As members of this group are unable to reschedule in future, we , in spite of the disappointment, felt safe about the money we paid out - WE WERE INSURED BY BRYTE!! Only to find out that because of the fact that the travel operator where we've booked and the airline offered us vouchers to use within the next year, Bryte is not responsible to do a pay-out on our claim. We've been from one person to the next, but NO LUCK if you are insured at Bryte! The guys who made use of their overdraft or credit card, can hardly pay back their bank with Zanzibar travel vouchers or airline vouchers?? I've never had such poor service from a company as this round with Bryte. They are not even willing to consider the fact that we got insurance for in case something happens which gives us no other option than to cancel our long awaited reunion of old friends. Our plea's and our explanations fell upon deaf ears. Back to the question : "Why invest in proper travel insurance if this is the way one are treated by the insurance company".