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Can I (with declaration of self interest) make an important distinction here between OTAs and ITAs (independent travel agents). If you get a good one, they will help you out to a far greater extent than a direct booking when something goes wrong and certainly better than an OTA.
Such as the call I took this Autumn from a client at 7am, tracking his Italian train in real time and booking him on the next one despite his non-refundable ticket not technically being valid once he’d missed it. You get what you pay for.
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