Hi again thanks again for all comments, just an update.
We got all taxes, fees and drink packages refunded by RCI and got a payment from my travel insurance enough to cover the cancelled part of cruise but only a small fraction of cost of the late flights home, (but I had to get home and dont regret my decision)I am glad I wasn't successful in the royal upgrade bid as I would have lost that too. For information, I know the rules are different in different countries but I did have to pay for my father's dr to complete a form fro insurance answering various questions .
We also got annual leave cancelled and now going away again next month on celebrity