Me and my friend have a 3 night mini break away in a couple of weeks, not far, just a couple of hours each way by public transport. Both already booked our own transport. She picked, booked and paid up front for the hotel at 250 each. Fast forward to today, she has sprained her wrist after a night out and now is unsure if she will be able to travel. I would normally claim on travel insurance, if we can't move it which I don't think we can due to the hotel availability (being Summer). She says she doesn't bother with travel insurance. I am now wondering if I am obliged to lay her my share of the hotel? I can't find anyone else to come along