Please find below the answers to some frequently asked questions. You can also get in touch with any questions you may have.

How much does protection through The Travel Vault cost?

The Travel Vault is designed to be very flexible. Our Protection Fees are charged based on the actual bookings you take so that you only pay for the protection you use.

Read more about pricing

Does it meet my obligations under the Package Travel Regulations?

Yes, The Travel Vault complies with the Package Travel Regulations 2018 for the financial protection of non-air packages.

If you also hold a Travel Vault ATOL, you will be able to sell air holidays and will be fully compliant with the Package Travel Regulations 1992 and the Civil Aviation (ATOL) Regulations 2012.

Read more about PTR compliance

How long does it take to set up protection through The Travel Vault?

For non-air packages, the turnaround from application to decision is typically around four weeks.

For ATOL applications, we will also need to process your application with the CAA and timescales will therefore depend on them. However, as a guideline, turnaround times are typically around eight to ten weeks.

Is the protection recognised by ABTA?

Yes. Protection through The Travel Vault is accepted by ABTA as providing the equivalent level of protection to a bond. If you wish to apply for ABTA Principal membership, you can do so without needing to provide a bond.

Does the protection also cover packages with flights?

Under UK law, holiday arrangements that include flights (as well as some flight-only sales) should be protected by an Air Travel Organisers’ Licence (ATOL). Under The Travel Vault franchise, you can apply for a Travel Vault ATOL which enables you to sell flight inclusive holiday arrangements that comply fully with the ATOL Regulations.

More about ATOL

Can I protect single elements through Travel Vault?

Yes. The sales of single elements as principal (e.g. accommodation only) do not need to be protected by law, but many companies choose to protect them in order to be able to give an all encompassing “100% protected” consumer message to their customers. You can protect single elements through The Travel Vault if you wish.

Do we need to have a set number of clients each year?

No. There is no pressure on you to sell a minimum number of holidays although you may be required to pay a minimum upfront premium. For further information see our pricing.

Do we have to meet financial criteria similar to ATOL or ABTA?

There is no formal financial criteria. Each application is assessed on a standalone basis where we perform a detailed credit risk analysis. See “What information do I need to apply?” below.

Are there any restrictions placed on my cash?

No. Unlike with trust accounts, there is no restriction on the cash you collect from your customers, or limits on when you pay suppliers. All monies go into your trading account leaving you free to manage your cash-flow.

I’m starting a travel business for the first time. Can I join The Travel Vault?

Yes. We specialise in new businesses although all applicants will be assessed on an individual basis.

What information do I need to apply?

A detailed assessment will be undertaken on all applications in conjunction with our insurers. The information we ask to see will depend on the nature of your company and the business you intend to operate but will usually include:

  1. A completed Travel Vault application form
  2. Certificate of Incorporation
  3. CV, Proof of home address, Copy of passport for all Directors and Shareholders.
  4. Detailed Business Plan
  5. Financial Projections (Profit & Loss, Balance Sheet and Cash Flow)
  6. Established businesses are also required to submit their latest two years financial accounts and a bank position form
  7. Public Liability and Professional Indemnity Insurance Certificate (we can assist with arranging this)

Contact us to begin the application process.

Do we need to have professional indemnity / public liability insurance?

As a condition of the policy you must have professional indemnity / public liability insurance in place. Contact us if you would like assistance arranging suitable insurance.

Do you require personal guarantees?

You may be asked to provide a Personal Guarantee as a term of your insurance policy, particularly if your business is considered high risk. 

The Personal Guarantee provides security to the insurers who in the event of your insolvency, may seek to recover any losses either from the administrator of the insolvent company or from the individual directors.


Do I need to use eTrip?

eTrip is a requirement for all those who wish to apply for a Travel Vault ATOL but it is optional for those protecting non-air packages only. Read more about eTrip Agency

What happens if my insurance policy is agreed?

If you have been approved and all requirements have been met, you will be issued with your insurance policy, booking confirmation wording and logos. If you have applied for an ATOL, you will also receive your ATOL number and logo which can be used on your website and marketing materials.

Are there any limits to how many bookings I can take?

Travel Vault ATOL holders may apply to take bookings up to £5m turnover per year. There are no limits on the number of non-air holidays you can sell.

Am I guaranteed to be offered an insurance policy??

Your application will be subject to a full assessment by The Travel Vault and its insurers. We look at each application on a case by case basis and our assessment includes but is not limited to the business strategy, financial strength and the key personnel involved. There is no guarantee that a policy will be offered and it is at Travel Vault and the insurer’s full discretion.