If ive got this right and following the announcement by the Foreign Office today via Mr Raab, that advises that we don't travel abroad unless absolutely necessary.

Therefore, If we don't go on a previously booked trip on government advice, we cannot claim on our travel insurance because the government hasn't told us we can't go just advised not to.
We cannot claim on the booking agent if they are still willing to take us.
So if we do go so as not to lose our money, the government can wipe their hands of us if that country brings in restrictions because they advised us not to go in the first place.
Or am I just being cynical

where are these costs coming from if they are not trading?

Rent, rates, staff, insurance, utilities, security R&M etc. all the usual business overheads

54K a month, 60% of turnover, some pretty naff business model.

I’d be surprised if staff costs alone didn’t account for close to 60% of turnover at the company I work for.

Pay less and we couldn’t recruit or retain people as we need to. Try to charge clients much more and they’ll go to our competitors.

The only way you can claim off a travel policy is if your flight is cancelled because the government of the U.K. or the country you are visiting stop all flights or entry. If you decide just not to without either of these conditions then you will lose your money.
I am due to travel to Portugal in April and I have been offered a chance to change my flights but if I did so now I could not reclaim any other costs.
It is the same with BI cover, I believe the government said you can claim however I hope they have agreed this with the insurance sector.
With regards travel cover if you have not taken out cover by now I regret the virus will be excluded.

If you have something booked for the next 2 months or so, wait. It's highly likely there will be almost zero aircraft in the skies in a week or two as airlines start to ground fleets and therefore cancel almost all flights. Many have grounded significant proportions of their fleets, some have stopped operating altogether. Some will never come back from this, but that's another discussion.

If the airline or tour operator cancels, you get a full refund. If you cancel while the flight is still scheduled to operate, you only get money back as per fare rules, perhaps minus a fee or only just a few taxes - often regardless of political advice at either end. Some airlines are holding out on some routes and keeping the flights scheduled in the hope passengers will cancel and they keep the money. Emirates is one. We'll have to see if they cancel at short notice.

If they offer a free change to later in year - up to you. Take it or insist on a full refund, after all they can't fulfil the flight.

Will insurance pay? Depends on your policy. Based on the "all but essential travel" advice some will - but some won't. No policies taken out from this week will.

And remember things are changing hour to hour. It may - and probably will - reach the point of instruction rather than advice, and then total lockdown in which case insurance should almost certainly pay if the airlines play hardball.

Right now anyone living in the UK travelling overseas for anything other than a truly critical or COVID19-related reason needs a slap.

Oh dear, called out for being horribly wrong and you've lost the plot.
I'm ok with people having different political views but, blind stupidity is another thing altogether.

There are many businesses that have a huge turnover but dont make a penny or that make very little net profit and thee are some quite small businesses with relatively small turnover that make significant returns.
However, most, if not every business would struggle if their turnover dropped by 90% overnight but, the comments that you posted were just ridiculous.
You talk about my mind being closed and whatever else but, you haven't got a clue.

You even suggest that my mind is "closed", because my politics are different.
The people with closed minds are those that dont listen and cant see and I'm pretty good at both of those.

I wish there were enough other people who were willing to pay personal and business taxes as I do but, you probably dont even understand the concept.

At least you've given us all a laugh tonight.

A little phrase for you, Turnover for vanity, profit for sanity

Translated: it doesnt matter how big your turnover is if you dont make any money - you can use that down the pub tomorrow.

It seems our resident hypercapitalist doesn't know the difference between turnover and profit.

Perhaps you'll find out soon, when the company that is unfortunate enough to employ you (hopefully not as an economist or accountant) lay you off; you might then understand the concepts you are arguing against.

Cash is king!!