@Tom-And-Taya0
I agree with the others. Nov is too far away to expect a full refund due to covid-19 and currently is not covered under extenuating circumstances.
If the guests STILL insist on cancelling now, then your cancellation policy should be followed.
Saying you are willing to refund the remainder ON CONDITION the dates are re-booked is more than fair (I personally wouldn't promise such a thing). Also they can't/shouldn't/mustn't be able to cancel now, then later if(when?) the covid-19 penalty free cancellation is extended to include Nov, expect to retroactively get the benefit of a full refund.
Fyi, in Korea when airlines announced flight cancellations at end of Feb for flights till mid~end of March, some people with April~May flights decided to pay the cancellation fee to cancel. But then airlines announced a couple weeks later that more flights till end of April were also cancelled and people who paid cancellation fees were bombarding the call centers to get their cancellation fees back - of course, it doesn't work that way. No one I know or heard of has retroactively gotten cancellation fees back for a decision made and processed BEFORE an official flight cancellation notice.