But you haven't failed a flying test? You've only failed to achieve their standard. Different things...
What I meant was that if at CTC or OAA you fail to meet the standard of the course through lack of aptitude they will refund you up to £69,000 in CTC's case and a similar amount for OAA (don't have the figure to hand).
Both also include remedial training, within reason obviously, at no extra cost. To be completely accurate I think OAA pay for retakes of ground/air exams as well, CTC don't.