IPP – Financial protection for our customers money

When you pay us money, it is protected by the International Passenger Protection (IPP) scheme


Who or what is the International Passenger Protection scheme?

IPP is an insurance scheme backed by the world’s biggest insurers which specialises in financial protection within the travel industry.

What does this mean?

If we go bust you will get your money back.

Why have you joined this scheme? Are you planning to go bust?

We are not planning to go bust and only companies that manage their finances well can join IPP (which in turn keeps the premiums low). The short answer is, we are legally bound to protect our customers money.

Legally bound?

As we sell and organise our own holidays, we are a tour operator. This means, we are covered by the European Package Travel Regulations which requires us to protect our customers monies against our own insolvency.

So all travel companies should have this protection?

Yes! But the law is not enforced very well and there are unscrupulous companies who ignore their obligations. If you are considering buying a holiday make sure your money will be protected and don’t be fobbed off with “we have a separate client/trust account” – this is best practice but doesn’t guarantee your money is protected.

Acacia cottages were fantastic all round. They gave information and offered advice on what was available and suggested lots of different ideas for the hen weekend. They were always available to answer any questions and very flexible.

Emma, 5* review, 2016

Acacia Cottages is a trading name of Rural Adventure Limited.

Consumer Aware

In accordance with the UK Package Travel & Linked Travel Regulations 2018 all passengers booking with Acacia Cottages are fully protected for the initial deposit and subsequently the balance of all monies received by us, including repatriation costs and arrangements, arising from cancellation or curtailment of your travel arrangements due to the insolvency of The Company.

There is no requirement for Financial Protection of day trips or single elements, and none is provided. 

Acacia Cottages has taken out an insurance provided by International Passenger Protection Ltd (IPP) with Liberty Mutual Insurance Europe SE (LMIE) trading as Liberty Specialty Markets, a member of the Liberty Mutual Insurance Group. LMIE’s registered office: 5-7 rue Leon Laval, L-3372, Leudelange, Grand Duchy of Luxembourg, Registered Number B232280 (Registre de Commerce et des Sociétés).  LMIE is a European public limited liability company and is supervised by the Commissariat aux Assurances and licensed by the Luxembourg Minister of Finance as an insurance and reinsurance company. This insurance is only valid for passengers who book and pay directly with/to Acacia Cottages.

In the event of our insolvency please make contact as soon as practically possible giving full details of what has happened quoting the name of your Travel Operator:

IPP Claims at Sedgwick

Telephone: +44 (0)345 266 1872

Email: [email protected]          

or online at http://www.ipplondon.co.uk/claims.asp

For more information on IPP, please click on the logo below which will open their website in a new window: