TIF cover for the cost of the flight booked, if the airline stops trading, as long as the flight is booked independently through a licensed or bonded travel organiser, or direct with the airline in the UK, and is NOT part of an inclusive trip or holiday package.
ESF is Any claim that is due to any failure (including financial) of your travel agent or tour operator, any transport or accommodation provider, their agent or anybody who is acting as your agent, unless specified, which is NOT covered.
To read information about how much Scheduled Airline Failure is included in our TIF (new) policies, please refer to pages 28-30 approx and for our Aggregator policies, please refer to page 13 approx, that mentions it as "if your scheduled airlines stops trading."