AIUI, although some were consolidated onto bigger aircraft the 'Matterhorn' flights mostly replicated TCX own flight schedules. Those operated by Titan even had same flight numbers, just with Titan's prefix instead of TCX. Some were actually same aircraft as Titan have taken on subfleet TCX had leased in for summer peak.
Anybody with a TCX ticket, package or not, can use those flights,
If you chose to stay longer than planned and then claim on insurance later, effectively throwing away your return, I don't think insurer would look favourably on a claim.......
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