Paul,
This is exactly where I was going.
When you have a package deal the tour operator carries the risk. But when you DIY it you have to carry the risk and need to insure against the unforeseen happening.
I think what has brought this into focus is the impact the Ash cloud had last year and how folks were "stranded" on holiday with their accommodation expired and no indication of when the airlines would get clearance to fly again.
So you need to make sure that when you DIY it you have contingencies in place to cover "living" expenses until the airline gets your return flight re-scheduled.
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