Joined Cases C-771/22 and C-45/23, HDI Global and MS Amlin Insurance: Judgment of the Court (Second Chamber) of 29 July 2024 (requests for a preliminary ruling from the Bezirksgericht für Handelssachen Wien and the Nederlandstalige Ondernemingsrechtbank Brussel – Austria, Belgium) – Bundesarbeitskammer (C-771/22), A, B, C, D (C-45/23) v HDI Global SE (C-771/22), MS Amlin Insurance SE (C-45/23) (Reference for a preliminary ruling – Directive (EU) 2015/2302 – Package travel and linked travel arrangements – Article 12 – Right to terminate a package travel contract – Entitlement to a full refund of any payments made for the package – Unavoidable and extraordinary circumstances – COVID-19 pandemic – Article 17 – Insolvency of the travel organiser – Security for the refund of all payments made – High level of consumer protection – Principle of equal treatment)