How are your payments protected?
For holidays using car/ferry travel only–
Total Payment Protection (topp) Policy cover:
In compliance with The Package Travel and Linked Travel Arrangements Regulations 2018, an insurance policy has been arranged with Travel & General Insurance Services Limited (t&g), to protect customers’ prepayments in the unlikely event of our financial failure, and paid in respect of:
- Non-Flight Packages sold by the Policyholder as principal to the contract
- a refund of such prepayments if customers have not yet travelled, or
- making arrangements to enable the holiday to continue if customers have already travelled
- repatriation of customers as may be applicable, subject to the terms of the insurance policy.
Customers’ prepayments are protected by a topp policy.
In the unlikely event of financial failure please contact the claims helpline on 01702 811397.
A copy of the policy is available on request.
This policy is provided by Travel & General Insurance Services Limited (t&g), registered number 02527363 and underwritten by Accelerant Insurance Europe SA (Accelerant), an insurance company, which is authorised and regulated by the National Bank of Belgium and regulated by the Financial Services and Markets Authority (Ref. 3193) acting in the UK under the Freedom of services.
Click here to view our TOPP certificate 2022/2023.
TOPPS protection does not apply to our holidays by air, which are covered by ATOL – see below.
The air holidays and flights in our brochure and this website are ATOL protected.
When you buy an ATOL protected flight or flight inclusive holiday from us you will receive an ATOL Certificate. This lists what is financially protected, where you can get information on what this means for you and who to contact if things go wrong.
We, or the suppliers identified on your ATOL Certificate, will provide you with the services listed on the ATOL Certificate (or a suitable alternative). In some cases, where neither we nor the supplier are able to do so for reasons of insolvency, an alternative ATOL holder may provide you with the services you have bought or a suitable alternative (at no extra cost to you). You agree to accept that in those circumstances the alternative ATOL holder will perform those obligations and you agree to pay any money outstanding to be paid by you under your contract to that alternative ATOL holder. However, you also agree that in some cases it will not be possible to appoint an alternative ATOL holder, in which case you will be entitled to make a claim under the ATOL scheme (or your credit card issuer where applicable).
If we, or the suppliers identified on your ATOL certificate, are unable to provide the services listed (or a suitable alternative, through an alternative ATOL holder or otherwise) for reasons of insolvency, the Trustees of the Air Travel Trust may make a payment to (or confer a benefit on) you under the ATOL scheme. You agree that in return for such a payment or benefit you assign absolutely to those Trustees any claims which you have or may have arising out of or relating to the non-provision of the services, including any claim against us, the travel agent (or your credit card issuer where applicable). You also agree that any such claims may be re-assigned to another body, if that other body has paid sums you have claimed under the ATOL scheme.
Click here to view our ATOL Certificate.
For more information about financial protection and the ATOL Certificate go to:www.caa.co.uk
The above protection does not safeguard you against losses due to your inability to travel or complete your holiday due to other reasons, such as accident, ill health, weather delays, breakdowns, etc. Carriers such as Loganair and Calmac offer differing arrangements in the event that delays or cancellations occur, in line with EU legislation, but these arrangements do not cover the effects that may result after the delay/cancellation, such as the need to change your accommodation and further travel while on holiday.
We strongly recommend that you consider taking out personal travel insurance to cover these eventualities.