(11)As demonstrated in particular during the COVID-19 pandemic, the absence of business-to-business rules on refunds to organisers of packages for travel services cancelled or not performed by service providers, the absence of rules on vouchers, and uncertainty over whether refund claims and vouchers for cancelled packages are covered by insolvency protection can cause difficulties in relation to refunds to travellers, especially where unavoidable and extraordinary circumstances lead to numerous cancellations and affect many travel destinations. Therefore, it is important to ensure that travellers’ payments are effectively protected at all times, including in times of crisis. Furthermore, it should be ensured that the national insolvency protection systems are resilient and provide more uniform protection.