This guidance applies to passengers with Flybe, which went into administration on 5 March – but is likely to apply in the same way if other airlines or travel providers do the same.
You almost certainly won’t get a refund from the collapsed airline itself. But if your flight was part of an ATOL-protected package holiday, the travel firm you booked with should organise alternative outbound and inbound travel or provide a full refund.
If you made independent arrangements and paid by credit card or debit card, you may be able to recoup the price of your ticket via the chargeback scheme – VISA, Mastercard and American Express all belong to it.
Under the scheme, your card provider will seek a return of your money from Flybe’s payments operator. Your provider will advise you on the process – but they’ll do the legwork on your behalf.
If you paid by credit card (and spent more than £100 on your ticket), you have recourse to a piece of consumer protection regulation known as Section 75. More details here.
If you have spent money on accommodation or car hire or other services and are out of pocket because you have not been able to travel, you should first of all try to get a refund from the business concerned.
If this doesn’t work, you may be able to claim on your travel insurance but only if the policy includes ‘scheduled airline failure’ cover – many do not