Financial Protection

Financial & Consumer Protection

Mercator Enterprises Limited, trading as Revealed Travel and Mercator Travel, and promoting holidays under our various country and regional-specific ‘Revealed’ Brands.

Mercator Enterprises Ltd is a fully-regulated, ATOL-protected UK Tour Operator – and is a company committed to customer satisfaction and consumer financial protection. We provide clients such protection, reassurance, peace of mind and quality service in a variety of ways through our:-

  • ATOL bonding
  • Financial Failure Insurance
  • ABTA membership
  • LATA membership

In accordance with ”The Package Travel, Package Tours Regulations 1992” all passengers booking with Mercator Enterprises Ltd are fully insured for the initial deposit, and subsequently the balance of monies paid as detailed in your booking confirmation form. The policy will also include repatriation if required, arising from the cancellation or curtailment of your travel arrangements due to the insolvency of Mercator Enterprises Ltd. This insurance has been arranged with Affirma, a trading brand of MGA Cover Services Limited. Please read below for further details.


ATOL protection for flight-inclusive bookings

“Your Financial Protection
When you buy an ATOL protected flight or flight inclusive holiday from us you will receive an ATOL Certificate. This lists what is financially protected, where you can get information on what this means for you and who to contact if things go wrong.”

“We, or the suppliers identified on your ATOL Certificate, will provide you with the services listed on the ATOL Certificate (or a suitable alternative). In some cases, where neither we nor the supplier are able to do so for reasons of insolvency, an alternative ATOL holder may provide you with the services you have bought or a suitable alternative (at no extra cost to you). You agree to accept that in those circumstances the alternative ATOL holder will perform those obligations and you agree to pay any money outstanding to be paid by you under your contract to that alternative ATOL holder. However, you also agree that in some cases it will not be possible to appoint an alternative ATOL holder, in which case you will be entitled to make a claim under the ATOL scheme (or your credit card issuer where applicable).”

“If we, or the suppliers identified on your ATOL certificate, are unable to provide the services listed (or a suitable alternative, through an alternative ATOL holder or otherwise) for reasons of insolvency, the Trustees of the Air Travel Trust may make a payment to (or confer a benefit on) you under the ATOL scheme. You agree that in return for such a payment or benefit you assign absolutely to those Trustees any claims which you have or may have arising out of or relating to the non-provision of the services, including any claim against us, the travel agent (or your credit card issuer where applicable). You also agree that any such claims may be re-assigned to another body, if that other body has paid sums you have claimed under the ATOL scheme.”

Clients booking through Mercator Enterprises where a flight is involved as part of the Booking are protected by Mercator Enterprises’ ATOL bond and licence (number 10528) issued by the Civil Aviation Authority. All the flights and flight-inclusive holidays on this website are financially protected by the ATOL scheme. When you pay Mercator Enterprises 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 details and/or for more information about financial protection and the ATOL Certificate go to: www.atol.org.uk/ATOLCertificate.

You can check Mercator Enterprises’ ATOL credentials on the official CAA’s ATOL web site.

Please note that ATOL bonding only applies to bookings made within the UK. For further information visit the ATOL website at www.atol.org.uk.


Protection for bookings which do not include flights

Clients booking ground arrangements only through Mercator Enterprises Ltd, where no related flight booking has been made through Mercator Enterprises Ltd as part of the same booking, are financially protected against Mercator Enterprises Ltd becoming insolvent through Mercator Enterprises Ltd’s Financial Failure Insurance.

Mercator Enterprises Limited is a company committed to customer satisfaction and consumer financial protection. We are therefore pleased to announce that, at no extra cost to you, and in accordance with ‘The Package Travel, Package Tours Regulations 1992’ all passengers booking with Mercator Enterprises Limited are fully insured for the initial deposit, and subsequently the balance of monies paid as detailed in your booking confirmation form. The policy will also include repatriation if required, arising from the cancellation or curtailment of your travel arrangements due to the insolvency of Mercator Enterprises Limited. This insurance has been arranged with Affirma a trading brand of MGA Cover Services Limited (registered address Farren House The Street, Farren Court Cowfold West Sussex RH 13 8BP, company registration: 08444204 authorized and regulated by the Financial Conduct Authority registration number 678541) under a binding authority with the CBL Insurance Europe DAC registered address 13 Fitzwilliam Street Upper, Dublin 2 Ireland, who are authorized and regulated by the Financial Conduct Authority registration number 203120).

In the unlikely event of Insolvency of Mercator Enterprises Limited please follow the procedures below:

If the company that financially failed is a member of ABTA you should in the first instance contact ABTA:

ABTA Ltd, 30 Park Street, London, SE1 9EQ.
Helpline: 020 3117 0599. This line is open from 10.00-16.00 Monday to Friday, excluding bank holidays.
https://abta.com/holiday-help-and-complaints/travel-company-failures

If the company that financially failed is NOT a member of ABTA please contact:

Claims Department
Address: 152 City Road, London, EC1V 2NX
Telephone: +44 (0) 20 3 540 4422
E-mail: claims@affirmainsurance.com

The claims department will give you instructions in what is required to submit your claim. Please ensure you retain your booking confirmation form as evidence of cover and value.

NB: If payment for your holiday was made by credit or debit card you must contact the Claims team on the contact above in the first instance for instructions.

Policy exclusions: This policy will not cover any monies paid back to you by your Travel Insurance or any losses which are recoverable under another insurance or bond (with the exception of Credit and Debit card). This policy will also not cover any loss sustained by Passenger(s) booked on a flight-inclusive package sold and commencing within the United Kingdom.

Policy Holder: Mercator Enterprises Limited t/a Revealed Travel

Company Registration number: 7833259

Policy Number: MGA/FFI/01132 2017

Policy Period: 00.00hrs 1st April 2017 to 23.59hrs 31st July 2018 GMT **

** Policy Period covers bookings made within the dates specified regardless of date of travel.


Consumer Protection

Mercator Enterprises Ltd is a Member of ABTA, membership number Y488X. We are obliged to maintain a high standard of service to you by ABTA’s Code of Conduct. We can also offer you an arbitration scheme for the resolution of disputes arising out of this contract. The scheme is arranged by ABTA and administered independently. It is a simple and inexpensive method of arbitration on documents alone with restricted liability on you for costs. The upper limit on claims is £5,000 per person and £25,000 per booking form. The scheme doesn’t apply to claims which are solely in respect of physical injury or illness or their consequences. It can however deal with claims which include an element of minor injury or illness subject to a limit of £1,500 on the amount the arbitrator can award per person in respect of this element. Your request for arbitration must be received by ABTA within eighteen months of the date of return from holiday. For injury and illness claims, you can request the ABTA Mediation Procedure and we have the option to agree to mediation. Further information on the Code and ABTA’s assistance in resolving disputes can be found on www.abta.com. Mercator Enterprises is also an active member of the Latin America Travel Association (LATA), the UK”s leading trade association relating to Latin American travel. LATA is a trade group who campaign for optimising travel industry activity involving Central and South America – and who as well as promoting better links between the UK and the region also seek to advance best practice, high levels of customer service, expertise, responsible travel and strict adherence to health & safety policies amongst its membership.