I suppose it depends on your attitude to risk LL.
My understanding after a phone discussion with LV ( and my policy seems to be the premium ,same as yours ) was that if you travel against FCO advice is that ALL your travel insurance is invalid , not just Covid protection whether taken out before or after FCO advice was issued .
I would be very careful indeed to check and get confirmation of your cover.
Scenario of worst that can happen...you slip and fall in the mountains on one of your walks and break a leg or your back or neck , paralysed and need repatriation to UK and specialist treatment....who pays?
I know Madeira and Funchal in particular very well thanks having been there on numerous occasions but I am still considering whether to go or not.Need to check out cost of getting tests in the 72 hours before flying.
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