by Sam Leaver


31 March 2020


Many airlines and travel companies have sadly collapsed in recent times, leading to many questions about holiday cancellation, rearrangement, ATOL protection and Travel Insurance.

We answer your questions and explain why you should consider End Supplier Failure Insurance when looking for cover. 


Will I be covered on my Travel Insurance if my airline goes bust?


Most travel insurance policies do not cover airline failure as standard.

You should check your policy for Scheduled Airline Failure Insurance (SAFI) or End Supplier Failure Insurance (ESFI).

End Supplier Failure Insurance covers you if your travel or accommodation provider ceases trading and your holiday is not covered on the ATOL protection scheme.

This cover is automatically included on all of our Gold policies and can be added to our silver and bronze cover from as little as £2.50 per traveller or £6 for a family.

Find out more about End Supplier Failure insurance here >

I booked my flights with my debit/credit card, am I covered?


If your airline does collapse there may be some cover if you paid for your flights using a debit or credit card.

If you paid by credit card for flights costing more than £100 you will be covered under Section 75 of the Consumer Credit Act, meaning your card company will refund your money.

If your flight cost less than £100 you may have protection under the chargeback scheme.

Please speak to your debit/credit card provider if you require more details about Section 75 and chargeback.

Will I get a refund from ATOL for my flights?


If the worst does happen you should contact the company you paid for your holiday for the best advice.

If you have booked your holiday with a travel agent as part of a package (flights and accommodation together) then you should be covered for a refund under the ATOL scheme.

If you are already on holiday the scheme will make sure you can finish your trip and return home at no additional cost to you.

You may also have protection if you built your own flights and accommodation online using the same provider and completing the purchase as one transaction.

Going away soon?


If you already have holiday booked, remember to arrange your Travel Insurance. 

It’s easy to get cover for your medical conditions, we don’t need a doctor’s certificate or a list of your medication.

We cover hundreds of medical conditions including;

• Heart conditions

• Diabetes

• Cancer

• Mental health conditions

Compare prices on our website or call us free on 0800 294 2969 for a quote.

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