What am I entitled to if my holiday is hit by a lockdown?

With the latest coronavirus lockdowns coinciding with school holidays in some parts of the country, many have been forced to cancel or postpone trips.

However, this can be time-consuming, expensive, and it is difficult to navigate the terms and conditions of bookings.

The Australian Competition and Consumer Commission has guidelines around when consumers are entitled to refunds, exchanges, or credits.

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People are urged not to jump the gun and cancel bookings because they think they won't go ahead as this may be classified as a "change of mind" and limit the chances of a refund or credit.

Instead, if the provider cancels your booking, consumer guarantees apply, and you should have a right to a return.

For cancelled flights you'll most likely get a credit voucher - just make sure you check the expiry date, it has to be long enough for you to rebook.

For wedding cancellations, you must check your terms and conditions. They will vary from venue to venue and you won't always be entitled to a refund or credit.

Likewise, for sporting matches and theatre productions that are called off - check the Terms and Conditions.

READ MORE: State-by-state guide to restrictions and border rules

Under the rules, gyms and sporting clubs are not allowed to charge you fees while they're closed because of COVID-19 restrictions.

ACCC Commissioner Deputy Chair Delia Rickard said the safest way to book a holiday amid border closures and lockdowns is to check the terms.

"We've had a lot of complaints, we've seen greater flexibility from some travel providers when borders close down not charging you dates on the whole but our core message to people: If you're booking travel read terms and conditions," she told 9News.

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When it comes to flights and accommodation, it can be worth paying a little more for flexible bookings.

Be prepared to wait a while for a refund too.

Some companies have such a backlog it can take months before you'll see the money back in your account.