Airline failure: Your rights
The past few years have seen several airlines go bust. So what are your rights if you’re affected?
If you booked your flights directly with an airline and it then went bust, where you stand depends on how you paid. If you used a credit card and the flights were more than £100 you’ll be covered by section 75 of the Consumer Credit Act and your credit card firm will have to give you your money back. If you paid by debit card then things are less simple; you may be able to recoup the cost of the flight through the ‘chargeback’ system operated by Visa and Maestro but you’ll need to contact your bank.
Some travel insurance policies include Scheduled Airline Failure so if you have this kind of cover, you’ll be protected.
If the flights were part of a package holiday you’ll be covered by the Air Travel Organisers’ Licensing (ATOL) scheme and your holiday company will be responsible for reimbursing you or flying you home if you’re already on holiday.