{"showCoverPage":true,"bookCover":{"coverDescription":"","coverImage":{"path":"images\/coverImage-60744b6e77ef2.png","mime":"image\/png","copyright":{"license":"U"},"width":1920,"height":480}},"chapters":[{"params":{"content":[{"content":{"params":{"text":"

Section 1: the Package Travel and Linked Travel Arrangements Regulations 2018 - key definitions<\/h2>\n\n
The introduction of the Package Travel and Linked Travel Arrangements Regulations 2018 (2018 PTRs) presented major changes for businesses. Package holidays and linked travel arrangements (LTAs) are often complex combinations of travel services which include transport and accommodation but may also include other services such as car hire and significant \u2018other tourist services\u2019, such as excursions. Different service providers, such as airlines and hotels, are often involved and a problem with the delivery of one service may subsequently affect the delivery of the others.<\/p>\n\n
The 2018 PTRs have amended the definitions of a \u2018package holiday\u2019 and what constitutes a \u2018travel service\u2019.<\/p>\n\n
There are three main areas of which businesses need to be aware:<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"33013410-a8ad-40d8-88c9-a807598ff4d3"},"useSeparator":"auto"},{"content":{"params":{"iconType":"icon","icon":"plus","color":"#19d01f","hotspots":[{"position":{"x":18.93880476238744,"y":50.292739006626405},"alwaysFullscreen":false,"content":[{"params":{"text":"
Businesses will need to put processes and procedures in place when making sales in travel agencies, on the telephone or on their website. This ensures the relevant information provisions for pre and post contract information requirements are met. The 2018 PTRs provide criminal offence sanctions if these information provisions are not followed.<\/p>\n"},"library":"H5P.Text 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"26db6b02-ae65-4df8-9e4b-5052b123cf13"}]},{"position":{"x":50,"y":50},"alwaysFullscreen":false,"content":[{"params":{"text":"
Businesses will need to provide insolvency protection for the money they take from travellers by holding an ATOL for flight-inclusive packages or non-flight packages, by providing a bond or insurance policy, or by holding the money in a trust account.<\/p>\n"},"library":"H5P.Text 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"24298d5b-95b1-475c-b70f-b41243734823"}]},{"position":{"x":81.2935685114192,"y":52.55119295012547},"alwaysFullscreen":false,"content":[{"params":{"text":"
UK-based travel agents that deal with non-UK organisers are liable for the proper performance of the package and for insolvency protection, or must provide evidence that the non-UK organiser complies with these requirements. This rule is being expanded so that UK-based retailers will also be liable in the same way for the packages of EEA organisers, unless they can provide evidence that the EEA organiser complies with its duties.<\/p>\n"},"library":"H5P.Text 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"5d0421b5-fedc-4696-a05e-8aab0366e2ba"}]}],"hotspotNumberLabel":"Hotspot #num","closeButtonLabel":"Close","image":{"path":"images\/image-60802fb913672.png","mime":"image\/png","copyright":{"license":"U"},"width":1000,"height":300}},"library":"H5P.ImageHotspots 1.8","metadata":{"contentType":"Image Hotspots","license":"U","title":"Businesses"},"subContentId":"9841dfcc-e635-4281-a79e-a1387f215f2a"},"useSeparator":"auto"},{"content":{"params":{"text":"

Organisers \/ principals and travel agents<\/h3>\n\n
The 2018 PTRs explicitly place liability for the performance of the travel services included in the package on the organiser \/ principal, irrespective of whether the travel services are performed by third parties. In some cases, the person with whom the consumer immediately deals in purchasing a package will be the organiser \/ principal. In other cases, the consumer will be dealing with a retailer (travel agent) selling on behalf of an organiser \/ principal.<\/p>\n\n
When considering whether a trader is an organiser \/ principal, it should make no difference whether that trader is acting on the supply side or presents himself as a travel agent acting for the consumer. Any trader who ultimately combines a package will be the organiser \/ principal for the purposes of the 2018 PTRs.<\/p>\n\n
In general terms, the organiser \/ principal is the party that is contractually bound to the consumer to provide the travel services. A business will be the organiser \/ principal if it places itself in contract with the consumer either directly or through someone it has appointed, or allowed, to act as its agent. Where an agent has been appointed, it can contract on behalf of that organiser \/ principal and their acts are then treated as those of the organiser \/ principal. It is vitally important for businesses to understand that where monies are paid to an agent on behalf of the organiser \/ principal, the monies are deemed to have been received by the organiser \/ principal.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"233ae596-017f-4df7-9907-8cc4d03997d9"},"useSeparator":"auto"}]},"library":"H5P.Column 1.13","subContentId":"5aa95eb2-27a1-44ae-8291-baecf0ab9b63","metadata":{"contentType":"Column","license":"U","title":"Section 1: the Package Travel and Linked Travel Arrangements Regulations 2018 - key definitions"}},{"params":{"content":[{"content":{"params":{"text":"

Section 2: what is a package?<\/h2>\n\n
In order to create a package, you need to sell two or more different travel services, from the four below:<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"733826e5-d7bc-4e37-bd10-2568003275a5"},"useSeparator":"auto"},{"content":{"params":{"panels":[{"content":{"params":{"text":"
This includes flights, trains and coaches.<\/span><\/span><\/span><\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"e6b5a294-f725-479a-a387-1879accf04f1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Carriage of passengers"},{"content":{"params":{"text":"
It is important to note that accommodation that is intrinsically part of carriage of passengers is not in scope. For instance, a ticket on a sleeper train where the purpose is to get from A to B and staying on board is a necessary part of that journey, would not constitute a package.<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"b741810f-a0e7-4606-812d-55d5db2db3f3","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Accommodation"},{"content":{"params":{"text":"
This includes car and motorcycle hire.<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"c0132b1f-cd56-4a45-bb51-bae1b99d1c7f","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Motor vehicle hire"},{"content":{"params":{"text":"
These are services that are not intrinsically part of the carriage of passengers, accommodation or motor vehicle hire but make up a significant part of the package. For example, a traveller books a golf break with a hotel or travel organiser that includes a pre-booking for round(s) of golf, as well as the accommodation.<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"12e93670-1003-484d-9ccf-20c6da56907f","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Any other tourist services"}],"hTag":"h4"},"library":"H5P.Accordion 1.0","metadata":{"contentType":"Accordion","license":"U","title":"Travel services"},"subContentId":"75f80e04-9723-4834-90e8-431dd8887783"},"useSeparator":"disabled"},{"content":{"params":{"text":"
The major changes in holiday and travel purchases, e.g., online, on the telephone or in travel agencies, are covered by the Package Travel Regulations. There are now six definitions of what constitutes a package holiday.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"c4ceb8b6-6c93-40ef-8f87-135ae568636f"},"useSeparator":"auto"},{"content":{"params":{"mode":"normal","description":"","dialogs":[{"tips":{},"text":"
When multiple travel services are combined by one trader and sold under a single contract.<\/p>\n","answer":"
These types of packages are traditional packages but unlike the previous regulations, there is no mention that the packages must be \u2018pre-arranged\u2019 and they will include \u2018tailor-made holidays\u2019<\/p>\n","image":{"path":"images\/image-609e9128ba70e.png","mime":"image\/png","copyright":{"license":"U"},"width":300,"height":200}},{"tips":{},"text":"
Sold in a single booking process.<\/p>\n","answer":"
A package is created when a traveller has selected (from the same point of sale) two or more travel services and agrees to pay within the same booking process (this is a \u2018shopping basket\u2019 model where the point of sale could be high street travel agents, websites or telephone sales).<\/p>\n","image":{"path":"images\/image-609e9144d5190.png","mime":"image\/png","copyright":{"license":"U"},"width":300,"height":200}},{"tips":{},"text":"
Sold at an inclusive \/ total price.<\/p>\n","answer":"
For example, a travel agent or organiser puts together a selection of travel services for the same trip and sells it to the traveller for a total price.<\/p>\n","image":{"path":"images\/image-609e91539793c.png","mime":"image\/png","copyright":{"license":"U"},"width":300,"height":200}},{"tips":{},"answer":"
For instance, \u2018combined-deal\u2019, \u2018all inclusive\u2019 or \u2018all-in arrangement.<\/p>\n","text":"
Sold as a package (or under a similar term).<\/p>\n","image":{"path":"images\/image-609e91572f125.png","mime":"image\/png","copyright":{"license":"U"},"width":300,"height":200}},{"tips":{},"text":"
Combined after the sale of the package allowing subsequent choice (gift-box style packages).<\/p>\n","answer":"
For example, a \u2018Tastes of the Region\u2019 package that allows you to choose from a selection of accommodation and a meal at a restaurant, to be selected from a list of options, after the package has been purchased.<\/p>\n","image":{"path":"images\/image-609e915d0c4cc.png","mime":"image\/png","copyright":{"license":"U"},"width":300,"height":200}},{"tips":{},"text":"
Sold through a linked online booking process, irrespective of whether the traveller concludes separate contracts.<\/p>\n","answer":"
A traveller goes to an airlines website to buy a flight and on this website is a link to an approved accommodation provider. If the link is clicked by the traveller and the traveller\u2019s name, payment details and email address appear pre-completed it will become a package and the airline will become the organiser, as long as the purchase is within a 24-hour period.<\/p>\n","image":{"path":"images\/image-609e916278f8e.png","mime":"image\/png","copyright":{"license":"U"},"width":300,"height":200}}],"behaviour":{"enableRetry":true,"disableBackwardsNavigation":false,"scaleTextNotCard":false,"randomCards":false,"maxProficiency":5,"quickProgression":false},"answer":"Turn","next":"Next","prev":"Previous","retry":"Retry","correctAnswer":"I got it right!","incorrectAnswer":"I got it wrong","round":"Round @round","cardsLeft":"Cards left: @number","nextRound":"Proceed to round @round","startOver":"Start over","showSummary":"Next","summary":"Summary","summaryCardsRight":"Cards you got right:","summaryCardsWrong":"Cards you got wrong:","summaryCardsNotShown":"Cards in pool not shown:","summaryOverallScore":"Overall Score","summaryCardsCompleted":"Cards you have completed learning:","summaryCompletedRounds":"Completed rounds:","summaryAllDone":"Well done! You got all @cards cards correct @max times in a row!","progressText":"Card @card of @total","cardFrontLabel":"Card front","cardBackLabel":"Card back","tipButtonLabel":"Show tip","audioNotSupported":"Your browser does not support this audio","confirmStartingOver":{"header":"Start over?","body":"All progress will be lost. Are you sure you want to start over?","cancelLabel":"Cancel","confirmLabel":"Start over"},"title":""},"library":"H5P.Dialogcards 1.8","metadata":{"contentType":"Dialog Cards","license":"U","title":"Package holiday definitions"},"subContentId":"9c003d87-8467-418b-9281-96f725b38cfd"},"useSeparator":"disabled"}]},"library":"H5P.Column 1.13","subContentId":"7c5ff54f-5660-44c9-91a5-de1557927618","metadata":{"contentType":"Column","license":"U","title":"Section 2: what is a package?"}},{"params":{"content":[{"content":{"params":{"text":"

Section 3: linked travel arrangements (LTA)<\/h2>\n\n
The different types of linked travel arrangement (LTA) are envisaged by the Package Travel and Linked Travel Arrangements Regulations 2018 (2018 PTRs):<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"bf442c3b-25b0-47bd-a552-ba16f890af5d"},"useSeparator":"auto"},{"content":{"params":{"panels":[{"content":{"params":{"text":"
The separate selection and separate payment of travel services made during a single visit to a trader\u2019s point of sale (for example, at a travel agent where the traveller selects and pays for a hotel and then, without leaving the agent, they select and then pay the agent separately for a flight)<\/p>\n\n
or
\n
\nTthe separate selection and separate payment of travel services made during a single visit to a website (for example, a traveller goes onto a website, selects and pays for a flight, and then while they are still on the website, they then select and pay separately for a hotel).<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"727938a5-4d36-49a9-90af-b7f410099644","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Type 1"},{"content":{"params":{"text":"
The traveller visits a website and after the traveller has purchased one travel service, they are \u2018targeted\u2019 with a cross-sell to another trader\u2019s website, where the traveller buys from the other trader within 24 hours (for example, an airline sells a traveller a flight and in the booking confirmation email, the airline invites them to book a hotel room online to go with their flight. The traveller clicks on the link and books a hotel within 24 hours of booking the flight).<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"b7ed228c-b5e6-4535-9e58-832a5aaefe27","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Type 2"}],"hTag":"h4"},"library":"H5P.Accordion 1.0","metadata":{"contentType":"Accordion","license":"U","title":"Linked travel arrangement (LTA)"},"subContentId":"4d8dc5aa-cbea-4b8b-9bff-98d09665af0f"},"useSeparator":"disabled"},{"content":{"params":{"text":"
The following examples are exempt from the 2018 PTRs:<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"f550d3d5-d132-48c8-93d0-f6e69f15bb0a"},"useSeparator":"auto"},{"content":{"params":{"iconType":"icon","icon":"plus","color":"#19d01f","hotspots":[{"position":{"x":19.132453097011766,"y":48.91259398035602},"alwaysFullscreen":false,"content":[{"params":{"text":"
LTAs covering a period of less than 24 hours, unless overnight accommodation is included<\/p>\n"},"library":"H5P.Text 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"b4d7ec81-6840-4867-98cf-6559bacbb175"}]},{"position":{"x":50,"y":50},"alwaysFullscreen":false,"content":[{"params":{"text":"
LTAs offered occasionally, on a not-for-profit basis, and only for a limited group of travellers<\/p>\n"},"library":"H5P.Text 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"648f1590-9b3f-450e-8d60-d61a1416872f"}]},{"position":{"x":81.48721684604354,"y":49.91634277956399},"alwaysFullscreen":false,"content":[{"params":{"text":"
LTAs purchased based on a general agreement between a travel company and another person acting for a trade, business, craft or profession for the purpose of booking travel arrangements in connection with that trade, business, craft or profession <\/p>\n"},"library":"H5P.Text 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"59ef0ce1-2878-46df-a5d7-d280de109b0d"}]}],"hotspotNumberLabel":"Hotspot #num","closeButtonLabel":"Close","image":{"path":"images\/image-6080316827b5f.png","mime":"image\/png","copyright":{"license":"U"},"width":1000,"height":300}},"library":"H5P.ImageHotspots 1.8","metadata":{"contentType":"Image Hotspots","license":"U","title":"LTAs"},"subContentId":"ee1c79f5-ade7-4b0b-87b4-655327cd4090"},"useSeparator":"auto"},{"content":{"params":{"text":"
Businesses must be very clear that they understand the difference between a package and an LTA. The LTA criteria described on this page should be compared with the package holiday definitions. Particular attention should be made to the online difference between package holiday sales and LTA sales.<\/p>\n\n
\n\t
traditional package holidays sold by tour operators, travel agents or online traders combined by one trader and sold under a single contract<\/li>\n\t
where the travel services are sold in a single booking process (a shopping-basket style of selection) where the traveller can select a range of travel services related to a single trip to create a package. The point of sale could be at a travel agent, a website or over the telephone<\/li>\n\t
travel services are sold at an inclusive or total price. So, for example, an organiser puts together a selection of travel services for the same trip and sells it to the traveller for a total price<\/li>\n\t
the holiday is sold as a \u2018package\u2019 or a similar term (such as, all-inclusive or all-in arrangement)<\/li>\n\t
travel services are combined after the sale of the package, allowing subsequent choice (for example, gift-box style packages) such as, a \u2018taste of the region\u2019 package that allows the traveller to select their accommodation and meal option after the contract has been made<\/li>\n\t
travel services are sold through a linked online booking process, where the traveller\u2019s name, payment details and email address are sent from the first trader they purchase from to a \u2018targeted\u2019 second trader, where a purchase is made no longer than 24 hours after the first service was purchased<\/li>\n<\/ul>\n\n
Businesses should compare the difference of linked online sales of a package (where the traveller\u2019s name, payment details and email are transferred to the second website and a purchase is made from the second website within 24 hours) to the linked online sale of a LTA, where the name, payment details and email are NOT transferred, although the sale must still be within 24 hours. The fact that a traveller pays separately for the travel services does not mean that it is an LTA. They must select a service and book it before moving on to select and book the second and further services for the resulting trip to be an LTA rather than a package.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"d3a12831-5527-4b4c-a9fd-674e0c5fccf2"},"useSeparator":"auto"}]},"library":"H5P.Column 1.13","subContentId":"d3135106-4ca9-4841-8482-e636f2fbd390","metadata":{"contentType":"Column","license":"U","title":"Section 3: linked travel arrangements (LTA)"}},{"params":{"content":[{"content":{"params":{"text":"
Section 4: Air Transport Operators Licence (ATOL)<\/h2>\n\n
ATOL is a UK financial protection scheme that protects flight-inclusive package holidays sold by travel businesses based in the UK. When a consumer purchases an ATOL-protected product, they should be provided with an ATOL certificate that will identify who has responsibility for the package holiday. The scheme also applies to some flight bookings, usually those where travellers book flights (including UK domestic flights) but do not receive tickets immediately.<\/p>\n\n
If a travel business with an ATOL ceases trading, the ATOL scheme protects travellers who had booked flight-inclusive holidays with the company. It will support travellers who are currently abroad and provide financial reimbursement for the cost of replacing parts of an ATOL protected package. The scheme is designed to reassure travellers that their money is safe and that they will be given assistance in the event of a travel business failure. Further information on ATOL protection<\/a> can be found on the CAA website.<\/p>\n\n
Should an organiser, agent or airline go out of business, then the following information may apply to you, depending on your business model relationship:<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"c354a558-9fff-4cac-9e9d-89ce581c8165"},"useSeparator":"auto"},{"content":{"params":{"panels":[{"content":{"params":{"text":"
If a traveller has booked an ATOL-protected package and the provider subsequently ceases to trade, then the traveller should receive a refund if they have yet to travel, or be repatriated if they are on the package holiday when the provider ceases trading.<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"9b733d8e-4e03-4b01-b84d-f420ec424232","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Flight-based ATOL package holidays"},{"content":{"params":{"text":"
If travellers have booked an ATOL-protected flight with an airline that ceases to operate, then the traveller should receive a refund if they have yet to travel, or be repatriated if they are currently on the holiday when the provider ceases trading.<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"17477626-42ba-4af4-b8a4-e3e9530e65bb","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"ATOL-protected flight only"},{"content":{"params":{"text":"
Where you are the contracted organiser \/ principal for bookings taken by a travel agent that goes out of business, it is your responsibility to continue to provide the holiday you booked.<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"109d0676-3f72-4025-8ce0-77050b50e552","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"High street \/ retail sales"},{"content":{"params":{"text":"
Where you have booked non-flight packages with an organiser \/ principal that ceases to operate, then these sales should be protected. Travellers will need to submit a claim for a refund to whoever provided the protection (which must be by a bond, insurance or trust account). If the traveller is already on holiday, in most cases, the package holiday should continue as normal.<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"28a942e4-efc8-4563-8b38-cc9cb4c97a17","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Non-flight packages and LTAs"},{"content":{"params":{"text":"
Where single element sales, such as flight or accommodation only, have been booked with an organiser \/ principal \/ travel agent (both online and in-person) who ceases to operate, then these sales are unlikely to be protected.<\/p>\n"},"library":"H5P.AdvancedText 1.1","subContentId":"59c6e276-2b82-4c03-97f1-49678d60cade","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"}},"title":"Single element sales (for example, flight only or accommodation only)"}],"hTag":"h4"},"library":"H5P.Accordion 1.0","metadata":{"contentType":"Accordion","license":"U","title":"ATOL protection"},"subContentId":"886accf6-5cde-4c09-a3c8-a7104bcabe14"},"useSeparator":"auto"}]},"library":"H5P.Column 1.13","subContentId":"78caa598-27d4-4ad2-baed-aa0502928b48","metadata":{"contentType":"Column","license":"U","title":"Section 4: Air Transport Operators Licence (ATOL)"}},{"params":{"content":[{"content":{"params":{"text":"
Section 5: other insolvency protection<\/h2>\n\n
There are three insolvency protection options which the Package Travel and Linked Travel Arrangements Regulations 2018 (2018 PTRs) permit organisers to use for non-flight package holidays and LTAs:<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"08b68ffa-d8c4-4677-996f-73e1f703e98f"},"useSeparator":"auto"},{"content":{"params":{"text":"
Bonding<\/h3>\n\n
To use the bonding option, a trader must be a member of an approved body (approved by the Department for Business and Trade) which oversees the bonding process to ensure that the bond is at an adequate level to meet insolvency requirements. The bonds must not exceed a period of 18 months and must either be:<\/p>\n\n
\n\t
a sum that covers the maximum amount of payments that the organiser expects to hold at one time for travel packages still to be performed<\/li>\n<\/ul>\n\n
or<\/p>\n\n
\n\t
no less than 25% of all payments the organiser expects for travel packages in the 12-month period from the start of the bond<\/li>\n<\/ul>\n\n
whichever sum is smaller.<\/p>\n\n
Alternatively, if the approved body has a reserve fund or insurance to cover any shortfall in bond cover, the sum must cover no less than 10% of such payments; or the maximum amount of payments that the organiser expects to hold at one time for travel packages still to be performed, whichever sum is smaller.<\/p>\n\n
In the case of packages which might involve repatriation costs, the bond must also incorporate such additional sum as the organiser may reasonably be expected to cover and, if necessary, accommodation for the traveller prior to repatriation. <\/p>\n\n
The approved bodies are: <\/p>\n\n
\u2022 ABTA<\/a>
\n\u2022 ABTOT<\/a> (The Association of Bonded Travel Organisers Trust), which also runs the Bonded Coach Holidays<\/a> (BCH) scheme
\n\u2022 AITO<\/a> Financial Protection Services Ltd<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"25de5a69-bfbb-4a3b-ac39-343c24b36153"},"useSeparator":"auto"},{"content":{"params":{"text":"
Insurance<\/h3>\n\n
The organiser can take out one or more insurance policies which recognise travellers as the insured persons and, therefore, pay direct to the travellers in the event of insolvency. Organisers should ensure that any insurance policy they secure is not voided due to negligence or a breach of condition on their part. For instance, ABTA makes it a condition for any underwriters on their approved list not to reject any claim made by a traveller. They are also unable to withhold payment under the policy to any travellers (who can prove a loss) due to any breach of the terms, conditions or covenants of the policy by the relevant package organiser or facilitator of a linked travel arrangement.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"f27b38fc-0d91-47f1-a070-974a129a2204"},"useSeparator":"auto"},{"content":{"params":{"text":"
Trust account<\/h3>\n\n
This option requires all money paid by the traveller to be held by an independent trustee until the contract has been performed. The independent trustee can only pass the money to the organiser under the following circumstances:<\/p>\n\n
\n\t
the organiser provides evidence that the contract has been fulfilled<\/li>\n\t
if evidence is provided that the organiser has repaid a portion of the money to the traveller<\/li>\n\t
the money has been forfeited on cancellation by the traveller<\/li>\n<\/ul>\n\n
The costs of administering the trust must be paid for by the organiser. If the organiser is providing a package that includes the carriage of passengers, then they must have insurance in place to cover repatriation, and if necessary, accommodation for the traveller prior to repatriation.<\/p>\n\n
For more detailed information on trust accounts, read the \u2018 Package travel and holidays<\/a>\u2019 guide.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text"},"subContentId":"9f2cb6f7-bdd8-4ba9-a8ec-acba1346e245"},"useSeparator":"auto"}]},"library":"H5P.Column 1.13","subContentId":"3c4afd9a-2c24-40ef-aed6-99fe67ff605b","metadata":{"contentType":"Column","license":"U","title":"Section 5: other insolvency protection"}}],"behaviour":{"defaultTableOfContents":true,"progressIndicators":true,"progressAuto":true,"displaySummary":true},"read":"Read","displayTOC":"Display 'Table of contents'","hideTOC":"Hide 'Table of contents'","nextPage":"Next page","previousPage":"Previous page","chapterCompleted":"Page completed!","partCompleted":"@pages of @total completed","incompleteChapter":"Incomplete page","navigateToTop":"Navigate to the top","markAsFinished":"I have finished this page","fullscreen":"Fullscreen","exitFullscreen":"Exit fullscreen","bookProgressSubtext":"@count of @total pages","interactionsProgressSubtext":"@count of @total interactions","submitReport":"Submit Report","restartLabel":"Restart","summaryHeader":"Summary","allInteractions":"All interactions","unansweredInteractions":"Unanswered interactions","scoreText":"@score \/ @maxscore","leftOutOfTotalCompleted":"@left of @max interactions completed","noInteractions":"No interactions","score":"Score","summaryAndSubmit":"Summary & submit","noChapterInteractionBoldText":"You have not interacted with any pages.","noChapterInteractionText":"You have to interact with at least one page before you can see the summary.","yourAnswersAreSubmittedForReview":"Your answers are submitted for review!","bookProgress":"Book progress","interactionsProgress":"Interactions progress","totalScoreLabel":"Total score","a11y":{"progress":"Page @page of @total.","menu":"Toggle navigation menu"}}

Trust account<\/h3>\n\nThis option requires all money paid by the traveller to be held by an independent trustee until the contract has been performed. The independent trustee can only pass the money to the organiser under the following circumstances:<\/p>\n\n

Module 1. Package holidays and linked travel arrangements