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When I book overseas trips, my assumption is the money is lost if anything goes wrong. That's the joy of worldwide travel.

I was really surprised when COVID hit. All the stuff I'd paid for in...

A live-aboard does come under the regulations, it’s providing three the the elements, diving, accommodation and travel between dive sites.

You need to read this "The Package Travel and Linked Travel Arrangements Regulations 2018". They may or may not apply, but still a good read.