Cancel ryanair flight insurance

"Because claiming on insurance will be for the whole trip, accommodation etc, which the airline wont refund!!"

Number one no insurance will pay for something you can claim elsewhere, like airfares when the airline cancels. So telling the OP to claim on insurance for that is a non-starter.

Secondly the OP does not appear to have had any costs that could be reimbursed by insurance. The extra £600 looks like the additional cost of booking last minute.

So since all the OP is owed is the fare, claiming on the insurance (even if it would pay out) at the cost of an excess is not good advice since the airline is legally obliged to refund 100% of the fare.

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