Cover for irrecoverable sums paid in advance in the event of insolvency of the Travel or Accommodation provider not formed part of an inclusive holiday prior to departure. In the event of insolvency after departure: Additional pro rata costs incurred by the Insured Person in replacing that part of the travel arrangements to a similar standard to that originally booked. If Curtailment of the holiday is unavoidable - the cost of return transportation to the United Kingdom.