Welcome to the community @JandM,
I had an award ticket booked (miles + fees) and the refund process was not crisp but it worked. The numbers of tickets in play is huge so it would not be surprising if it takes a while to get a refund or credit. With much of QF stood down they are also working with reduced staff so patience is necessary.
It seems like you have done some research; I was not previously familiar with CheapOAir, apparently a US travel company, but have you read this page at CheapOAir? It suggests you might be able to get a refund or credit. Their page states each airline’s policies. If you are familiar the link might be helpful for others having booked on now-impossible flights, European or otherwise.
If you feel CheapOAir is not doing the right thing you could lodge a complaint with the US Better Business Bureau of which they are a member according to their website.
They are quite specific about their fees but you might ask since the airlines may be offering refunds or vouchers even for non-refundable tickets, if CheapOAir would waive cancellation fees if you kept refunds on account for future use.
Unfortunately that sometimes is the case, and it is good you noted it since other readers might not have considered that as a viable option.
If the provider can supply proof it is a bona fide charge the amount gets reinstated. A booking with terms and conditions suffices IME although nothing ventured is a self fulfilling prophesy.
If you peruse this topic travelers’ experiences have been across the spectrum. A consistent message is that one has to keep abreast of the agents/providers/suppliers COVID-19 policies as they evolve and claim or negotiate accordingly. For example if an airline waives cancellation fees one must be atop it if a travel agent tries to charge them anyway atop their own.
As for travel insurance, their pandemic or force majeur clauses are salient. If your policy might cover your loses you should have an email trail (or screen shots of web forms, or personal notes bout voice calls with time, date, names, outcomes) as well as documented government imposed travel restrictions and airline shutdowns to use as evidence.
I expect more will post on this topic, but to answer your question start from the top and read through for the varied experiences if you have not already done so.
It has to be difficult for a travel business because many, especially small operators, neither have the cash for refunds nor the inclination to jeopardise themselves for customers who individually account for very small amounts of their P/L.
If you manage to get credit or refunds please post so others will know who is taking care of customers and who is taking care of themselves.