I am due to travel to Italy 5th to the 11

Have a look at the gov.uk site here, if it does not have what you want try having a look at the comuni you will be staying in on here. It will have links to the official comuni sites, but you will need to read it in Italian or translate with google or the likes.

Lombardy, and especially Bergamo  were hotspots for Covid19. 

I have friends who live near Bergamo, and just before lockdown they moved to their holiday home near lake Iseo,  to escape the worst of the virus.

They now go back to their town to shop for elderly mother, but wont return permanently for the foreseeable.   There is no way they would consider going to Bergamo itself - for them it is much too dangerous.

Regretfully,  I'd recommend you avoid Bergamo completely at this time.

(It is a beautiful Old Town - We were there with our friends just before the outbreak hit Italy  and loved it)

I feel exactly the same but Ryan Air will not refund the flight and the apartment that Ive rented wont either.It seems that fearing the virus is not enough for these people to issue refunds and it seems like their attitude is 'take the risk or lose your money'

As the Monza Grand Prix has been cancelled because of Covid19, have you spoken to your travel insurance company as it may cover the total cost

(I assume you have Monza tickets as proof, and you don't get in through the gap in the fence that I used)

I think that getting a refund from KLM is generally a straightforward process. If you're looking to initiate a refund, you can start by visiting their official website and navigating to the “Manage Booking” section. There, you'll find options related to refunds and cancellations. Make sure to have your booking details handy as you might need them during the process. If you require a step-by-step guide, you can check over here, where they provide clear instructions on how to request a refund from KLM. Remember, it's always a good practice to review KLM's refund policy as well, just to be fully aware of their terms and conditions.