Catered Chalets and Self Catered Ski Holidays
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Award Winning Tour Operator Fully Bonded for your Financial Protection

Best Ski and Winter Sports Holiday Company 2015
Best Chalet Company World Ski Awards 2015
Catered Chalet Holidays - Nominee BTA 2015
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Financial Security

In today's economic climate, it is important for you to feel secure about the money you pay in advance for your holiday and nowadays even the largest and longest established tour operators can go bust.  

The Association of Bonded Travel Organisers Trust Limited (ABTOT) provides financial protection under The Package Travel and Linked Travel Arrangements Regulations 2018 for Time of Your Life Travel Ltd, bond number 5424, and in the event of their insolvency, protection is provided for the following:

1. non-flight packages;

2. flight inclusive packages that commence outside of the EU, which are sold to customers outside of the EU; and

ABTOT cover provides for a refund in the event you have not yet travelled or repatriation if you are abroad. Please note that bookings made outside the EEA are only protected by ABTOT when purchases directly with Time of Your Life Travel Ltd. 

In the unlikely event that you require assistance whilst abroad due to our financial failure, please call our 24/7 helpline on 01702 811397 and advise you are a customer of an ABTOT protected travel company. 

You can access The Package Travel and Linked Travel Arrangements Regulations 2018 here: 

ABTOT Website

What this means

All tour operators are required by EU law to provide some form of financial guarantee to the people that book and pay them in advance, in case they go bankrupt - this is called a 'bond'.  There are a large number of small operators who fail to comply with this legislation (and there have historically been some larger ones too!) - beware of them because if they go bust, you will lose your money!  NEVER be afraid or embarrassed to ask a tour operator about their bonding or other arrangements for your financial protection .... after all, anyone who provides the right security to a client will have no problem to tell you about it!

There are a lot of different types of  bonding available depending on the particular operation the tour operator carries out and the size and type of the company.  Some of the most well known to the public are ABTA and ATOL bonds which generally apply to larger operators, those offering flights and travel agents but these are not any 'better' or 'more secure' - it depends on what the tour operator offers in his package.  A popular misconception is that if you book with an ATOL bonded operator you are always safe - but be aware that ATOL bonding ONLY covers FLIGHT INCLUSIVE PACKAGES - so if you book with an ATOL bonded agent, but make non-flight travel arrangements, you will not be covered unless they also have a second bond to cover non-flight packages (such as ABTA or ABTOT).

Don't be fooled by logos - as we can all just post them on our websites!  Check out the company with the bond company they are advertising (they all have directories on their websites where you can check the tour operator is actually registered there).

Another popular misconception is that paying by credit card gives you more protection - well, yes the credit card companies will then be responsible for refunding money you have paid if you don't get your holiday but you don't get "double" cover then from the bond as well as the bond company will expect the credit card company to reimburse you first.  If you pay by bank transfer, you do not have any less protection as the bond will cover you.

In our case, the most appropriate bond to cover our activities is provided by ABTOT.  Each year we are required to pay for what is effectively an insurance policy to cover our clients' money and our financial stability and business activities are scrutinised by ABTOT before the bond is granted and throughout the year by means of quarterly reporting.  It means for you that if we go bust after we have taken your money and you have a holiday booked with us that falls within the scope of the Package Travel and Linked Travel Regulaitons 2018, ABTOT will refund you and if this unlikely event happens whilst you are actually on holiday with us, then ABTOT will repatriate you to the UK (as long as the travel element of your holiday was booked with us) - see their official wording at the top of this page for what is and isn't covered and if you have any questions, please just ask us or ABTOT.

Our bond only covers the holiday components you book with us so if you make your own travel arrangements (for example flights or transfers with another company or you book your cross channel ticket yourself), these need to be covered by the company with whom you book and in the event of US going bust, THEIR bond will not cover you if you have to cancel as they are still solvent!

You can verify our bond by checking directly on the ABTOT website if you wish at

Important Note Concerning Flights

We do not sell or package flights as part of the holidays we offer - we may offer to assist you by researching options and prices available through the web or travel agents we work with but you will need to actually make the booking yourself with the agent or airline concerned.  The assistance we provide in researching options does not form part of your contract with us and is not covered by our bond

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