It is with package holidays but this sounds more like the Scheduled Airline Failure cover that some agents add to flight tickets. But the fact that it is compulsory but useless to many customers must make it worth OfT attention under the Unfair Terms in Consumer Contracts Regs.

When I went to Icmeler in 2005, i became unwell and they sentan ambulance from Icmeler medical centre which took mins and they took me to Marmaris where a doctor was waiting for me, i had loads of tests and an x-ray, and they had to go to a ward to have a sleep for a while and they even took us back to the hotel.

i always pay the excess waiver on my insurance and we showed them our insurance they photocopied it and we didn't have to pay a thing. maybe it pays to pay the excess.

Ola