Everyone else read on:
NON AIR HOLIDAY ARRANGEMENTS such as hotels only, are not covered by ATOL scheme ensure you have paid your invoice part or full (but over £100 by Credit Card) to claim under Section 75 Consumer Credit Act.
Booked but yet to travel? You may be able to claim the cost back through the ATOL bond. See www.atol.org.uk for details.
Also see if your travel agent will change your arrangements and accept the ATOL promise ie refund when it eventually comes as part or full payment and if they will defer their charges, although they are not obliged to do so.
Not ATOL protected...accommodation only arrangements are not covered and if flights cancelled, you will still have to pay hotel charges. If the transaction includes a bundled in flight then ATOL is invoked, and you are protected.
ATOL protected and yet to travel? Check your confirmation if you contracted directly with your holiday firm, you are entitled to make a claim. The process will take several months and may take as long as two years (exceptional cases)
I booked with a Travel Agent... Talk to them about a claim and possible alternative arrangements. As a member of ABTA -[Association of British Travel Agents] (however not all travel agents or resellers are!) remind the Agent they operate subject to the ABTA Code of Professional Conduct and therefore morally (if not legally) bound to assist you to either recover your money or find an alternative holiday or resolution.
Credit Cards? If you booked through an Agent using a credit card claim through the CAA.
If you paid a Holiday Company directly using a Credit card for at least £100 of the total invoice you may be entitled to make a claim under the UK Consumer Credit Act against the Credit Card company for the full amount.
If you used a Debit Card, Cash or Cheque then claim from the CAA.
I just booked a room, can I claim? Doubtful but talk to your credit card company,bank or travel insurer.
Can I claim through Travel Insurance? Some policies may be valid, but not all read small print.
Will insurance premiums be refunded? No but could be transferred to any new replacement holiday contact the broker or insurance company.
Generally: Carefully preserve in a folder all paperwork in date order. note all telephone calls and keep in constant touch with your travel agent.
Contributor: Media Expert Julian Bray ISDN Interview down line 0044(0)1733 555 319 G722 & APT-X Dual Codec Glensound GSGC5 Landline: 01733 345581 Mobile:07944 217476