What are Your Holiday Cancellation Rights?

It is essential to understand where you stand before you talk to your travel agent or insurer if you need to cancel your holiday. Here is a guide on your rights when you have to cancel your holiday.

When can you cancel your holiday package?

If your travel operator modifies the terms and conditions of your packaged holiday, you can choose to cancel and get a full refund.

To receive a refund, they have to have made a change to your:

  • Accommodation
  • Travel dates
  • Flights

If the price of your holiday increases or after you have booked and you are urged to shell out more, you can cancel your booking and get a full refund.

Even if there have been no changes to your booking, you could still receive a refund. However, this depends on the terms and conditions of the booking.

This guide describes your rights if your flights are cancelled because of strike action.

Many travel agents allow you to cancel within an established period, but you will usually have to pay a cancellation fee.

How much is a cancellation fee?

This depends on when your holiday is planned; the longer there is to go, the higher the chance you will receive a refund.

  • 90 days before: the money you put down as a deposit will be lost
  • 60 days before: 50% of the cost of your holiday will be lost
  • 30 days before: 70% of the cost of your holiday will be lost
  • 10 days before: 100% of the cost of your holiday will be lost

Cancelling your flights and accommodation

If your hotel or airline makes important changes to your booking, you should be able to withdraw without paying a for charges.

Beyond this, you do not hold any legal rights to cancel, and you will be bound by your booking terms and conditions.

Some airlines will:

  • Give you a partial refund
  • Allow you to move your flight
  • Let you reclaim any airport tax paid

Other airlines (particularly budget airlines),  may not offer any of these options, although you will still be able to make use of a return flight if you are unable to make the outward journey.

Your provider accommodation may offer you some flexibility. However, this depends on their in-house policy, so it is still worth contacting the airline or hotel to discuss your options.

Transfer your holiday to someone else

This is a great way to get your money back if the person you are transferring your holiday to is willing to make payments.

Talk to your holiday company to ask for the transfer. Majority of providers will only let you transfer your holiday if you provide plenty of notice; normally at least 28 days prior to your departure date.

A fee will be charged for transferring your booking into someone else’s name, usually between £50 and £100 per passenger.

What if your provider goes bankrupt?

If you have reserved a package holiday and your tour operator goes bankrupt, you will usually be covered by insurance.

If your package includes flights

You should not worry since you are protected under the Civil Aviation Authority’s (CCA) Air Travel Organisers’ Licencing (ATOL) scheme.

You can apply for compensation by going to the ATOL website.

If your package does not include flights

You should also be protected. You will be covered by the trade association that your travel operator is a member of, which will usually be Association of British Travel Agents (ABTA).

You will need to arrange your refund through your travel agent.

Can you claim through your travel insurance?

Yes. However, but only if your travel insurance policy includes cancellation cover.

Do You Need Wedding Insurance?

Planning for your wedding day is a lot of fun. However, it can be very expensive too. Having an insurance can give you a financial safety net if things go wrong, but do you really need one?

Why get a wedding insurance?

There are many unforeseen things that could happen that can cause your wedding day to be cancelled, reschedules, or rearranged.

For example, the venue of the reception could go out of business, or a member of your entourage or one of your close relatives could become sick and be not be able to attend the wedding.

Without insurance, you could lose all of the money that you have spent for your wedding. You might have some protection if you used your credit card for payments. However, this will not cover everything that a wedding insurance can.

Section 75 can protect payments that you make by credit card that is ranging between £100 and £30,000. However, it only covers certain scenarios including if your reception venue goes out of business.

You should also consider whether the peace of mind of making sure that you are protected if things went wrong is worth the cost of purchasing a policy.

What kind of cover do you require?

Wedding insurance policies extend fixed amounts of protection, so you need to work out how much your wedding will cost by making use of a budget tool and then looking for a policy that provides you enough cover.

For example, if the entire cost of your wedding is £20,000, look for a policy that grants at least the same amount of cover for rearrangement or cancellation.

The lower the limits of coverage offered, the cheaper the policy will cost you. Many insurers offer several various policies, and each one of these policies has different limits of coverage, for example:

CoverBasic PolicyMid-level PolicyPremium Policy
Wedding Rings£1,500£10,000£15,000
Supplier's Failure£2,000£15,000£50,000
Cancellation£5,000£30,000£100,000

How much does a wedding insurance cost?

You could pay anything from a range of £20 to £300 for a policy. It will depend on the insurer and the level of cover that you choose.

You pay for your wedding insurance with a single payment and policies start from when the cover is carried out and ends once your wedding ceremonies and/or activities are finished.

Many insurers let consumers take out an insurance policy two years before their wedding so that you can enjoy coverage well in advance of your wedding day.