حج — رہنما — مرحلہ وار

## The Most Important Decision

Your choice of operator is the most consequential planning decision. A good one transforms the journey; a poor one can result in loss.

## Step 1: Verify Registration

Check with your country's regulatory body. UK: ATOL/ABTA. An unregistered operator is an immediate red flag.

## Step 2: Research Track Record

Look for 5+ years of operation. Read independent reviews. Ask your مسجد community for recommendations.

## Step 3: Compare on Criteria

Create a comparison spreadsheet: hotel distance, room sharing, transport type, meals, group size, tent quality, shifting vs non-shifting, refund policies.

## Step 4: Ask the Right Questions

Contingency plans for delays and illness? On-ground team in Saudi? Communication plan during حج? Credible operators answer confidently.

## Step 5: Verify Financial Protection

Protected trust account? Insolvency coverage? Pay by credit card for chargeback protection.

## Step 6: Get Everything in Writing

Detailed contract specifying every inclusion, exclusion, and condition. If it is not in writing, it does not exist.

## Trust Your Instincts

High-pressure tactics, reluctance to provide references, or impossibly low prices: walk away.