Worst insurance company ever!!!!!!!

You don't even deserve one star! Worst experience I ever had with an insurance company. You should be ashamed of yourself by treating customers this way. I purchased your premium cover for our trip to Maldives in October - I told the travel agent (Travel Dreams) that I would rather take out my own insurance, but was persuaded by the agent to rather take out yours after he told me that it is well worth taking the insurance from Bryte as it covers for voluntary cancellation benefit which means you can cancel for ANY reason and get a FULL refund - this was his own words. After submitting a claim for the following reason (my husband's leave was cancelled for that specific period) and due to the fact that we do not know whether international travel will be open by that time - my claim was immediately rejected due to the fact that Travel Dreams are under liquidation and you do not pay for liquidation of travel agents. I am still waiting for the claims agent to send me proof where all the terms and conditions were sent to me - the only info I received was a 4 page document with the benefit schedule with pay out limits. Where are all the T & C's with exclusions, etc???? I never received those. If I have known this, I would rather have taken out my own insurance and would not sit with this problem today. I want you to reconsider my claim - I have everything on black and white and need a response from you asap!!