• Yes, in some cases. If you book a flight with an ATOL holder (either direct or through a travel agent) and you get an ATOL Certificate as soon as you make payment, your booking is protected if the ATOL holder fails and the ATOL holder is also obliged to offer a refund should the airline that you are booked with fail financially.

    Remember though, if you are not ATOL protected and you book with a travel agent, make sure you receive your airline tickets as soon as you pay. That way, should the agency fail, the airline should honour your booking. In these circumstances you are not directly protected against the chance of the airline that you are booked with failing, so you should check whether any travel insurance that you have includes it, and, if not, consider taking out additional cover.

    Yes, as long as your holiday is one for which protection is legally required and you are booking with a UK travel company.

    For instance, if you use a website's 'flights and hotel' booking option to purchase flights and accommodation at the same time, then the law says your travel company must provide ATOL protection.

    However, ATOL only covers bookings made with travel companies, not those made directly with airlines.

    Travel agents often act as agents for a number of companies, including ATOL travel companies. When you book an air holiday with an agent it must tell you which ATOL travel company is protecting your travel arrangements, and provide an ATOL Certificate when you pay.

    If you book just a flight, the agent must either issue you with a ticket straightaway or confirm your ATOL protection.

    Not usually, unless any of the individual parts of the holiday meet the requirements to be protected. You might also find that if one part of your holiday fails you may be unable to use the other parts, and will therefore lose your money.

    Yes. Your travel company must find you alternative flights or refund your money.

    If your return flight is cancelled while you are on holiday, your travel company must book you onto an alternative flight.