Straight answer

Is everything you sell ATOL protected?

No, and anyone who tells you everything is protected is glossing. ATOL only covers flights and flight-inclusive packages. A hotel booked without a flight, a transfer, car hire or an excursion is not ATOL protected, and neither is a flight-only ticket issued immediately by the airline. Everything you pay us is still held in the TTA trust account whatever you book, and we tell you before you pay exactly which protection applies.