Can I get advice please? I’ve booked a holiday for myself and ds, in a group of 17 (4 families). My friend was the lead booker and we all had to transfer money to her to pay the deposit (£900 in my case). The airline has changed the return flights and Which is not suitable for me due to work commitments, so I’ve cancelled. I intend to claim my deposit back on my holiday insurance but the fact I didn’t pay it on my credit/debit car would I still be covered?