I changed the habit of a lifetime and have booked and paid for accommodation well ahead of time.
We currently have a B & B booked in Clare over Easter, followed by a few nights at Wilpena Pound in the Flinders Ranges.
In June, we have a place in Bali booked. Might get some credits for domestic accommodation and the airfares, but the Bali stay will probably be a write off. Will have to see what the travel insurance does.