After being told by Broadway Travel that our hotel and transfer cancellation (due to flight cancellation re volcanic ash) would be subject to cancellation fees. Only a package deal would receive a full refund.
I have now found the piece of legislation covering what constitutes a package deal:
Package Travel, Package Holidays and Package Tours Regulations 1992/3288
"Package" means the pre-arranged combination of at least two of the following components when sold or offered for sale at an inclusive price and when the service covers a period of more than twenty-four hours or includes overnight accommodation:-
(c) other tourist services not ancillary to transport or accommodation and accounting for a significant portion of the package.
This means that the travel agent making the booking is liable to give a full refund even if, like me the flight and accommodation is booked under a different airline and accommodation company