100% financial protection


All the flights and flight-inclusive holidays on this website are financially protected by the ATOL scheme.


When you pay you will be supplied with an ATOL Certificate. Please ask for it and check to ensure that everything you booked (flights, hotels and other services) is listed on it. 


Please see our Booking Conditions for further information, or for more information about financial protection and the ATOL Certificate go to: www.caa.co.uk


ATOL protection does not apply to holidays and travel services which exclude flights, for which protection is afforded by our membership of the Travel Trust Association.


Travel Trust Association


Snow-Wise Ltd is a member of the Travel Trust Association, membership no. Q1450.  (www.traveltrust.co.uk)


Who are the Travel Trust Association?


The Travel Trust Association (TTA) is a travel trade association whose members consist of Travel Agents, Tour Operators and Travel Organisers.


The TTA exists in order to protect the customer - giving them 100% financial protection - and has been doing so for over fifteen years. This means that every penny that you pay to us is protected by the TTA. 


What does membership of the Travel Trust Association mean? 


Membership of the TTA means that you can book your holiday secure in the knowledge that the TTA will protect you in the unlikely event of a member becoming insolvent.


Should a member of the TTA for any reason financially fail or cease trading, the TTA will liaise with the suppliers and Tour Operators to ensure that your holiday goes ahead unaffected. If for any reason this is not possible, the TTA will administer a claim for a refund of money that you have paid to the member for your holiday.


All members of the TTA have to abide by the member's Code of Conduct. This is to ensure that customers receive the best possible service.


How does the Travel Trust Association provide me with 100% financial protection?


Following booking, we deposit your money into a Trust Account. Your money remains in the Trust Account and is supervised by a TTA appointed Trustee who is either a banker, chartered or certified accountant or a solicitor. Both the TTA member AND the Trustee are required to authorise any payments from the Trust Account.


In addition to your money being held in trust, your monies are also insured. A "Stand Alone Safe Seat Plan" insurance policy is issued on your behalf by the TTA member. If your money is not in the Trust Account, the Stand Alone Safe Seat Plan policy will reimburse the loss of any amount paid to a TTA member up to the value of £11,000 per passenger.


It is the combination of the Trust Account and the Stand Alone Safe Seat Plan that ensures all of the money which you have paid to a TTA member is safely protected and available to pay for those services which you have booked.


Please be aware that the Stand Alone Safe Seat Plan is NOT a travel insurance policy. It will only protect the money that you have paid to a TTA member. You will need to take out a separate travel insurance policy to provide cover for cancellation, medical expenses and lost baggage etc.   



What is the difference between the Travel Trust Association and ABTA?


ABTA ended its consumer promise in 2006. This means that not all of the travel arrangements that you book through an ABTA member are necessarily protected in case of the financial failure of the travel company. If the arrangements are not automatically protected, an ABTA member may be able to offer suitable insurance to cover you.


If you book with a TTA member your money is 100% financially protected.

Recommended by Which?

We are proud to have been included by Which? in their list of travel companies you can trust with your money, as a result of the speed with which we provided full cash refunds to clients during the 2019-20 ski season, when the coronavirus pandemic led to the cancellation of their ski holidays.