Use your credit card to pay
If you choose to pay anything up front, you may be partly or fully protected if you pay by credit card (not debit card). You would have to claim off the credit card company, and this could take time and there may be time restrictions or even the cover may not work for learning to fly.
Check your credit cards t's & c's carefully.
Good luck with the learning, and don't forget to enjoy what can be very hard but ultimately highly rewarding!