The UK Government should move to strengthen package holidays regulations to incorporate trips made up of individual components say HolidayTravelWatch. The consumer group is urging action to protect travellers as the constant pressure to sell by price means that measures to safeguard travellers (which can’t be cost free) are often ignored.

I think that this is an important issue. Some consumers are still unaware of the lack of protection. The consumer group says that even a warning that an unprotected purchase is about to be purchased would be a start. I know that you have some protection if you use your credit card to make the purchase. However some travel companies charge a higher fee if you use a credit rather than a debit card for paymentm but debit card offer no protection. You are ony covered on credit card purchases over £100. Another precaution you can take is to check the small print of your travel insurance to see if it covers you for possible insolvency of the company with which you book.
Have you had any issues when you have put together your own holiday? I have done several DIY holidays without a problem but I am aware of the risk. I must add that all my DIY holidays have been fairly cheap holidays so I didn’t stand to lose a lot of money if there was a problem.