If you’ve paid between £100 and £30,000 for something on your credit card, your purchases are protected if the supplier breaches its contract or misrepresents the goods.
You’re covered if:
If you’ve just made part of the purchase with your credit card (such as a deposit), you’ll still be able to make a claim as long as the total purchase price for a single item is between £100 and £30,000.
If the total purchase price is under £100 or over £30,000, it won’t be covered by Section 75. That may sound simple, but it can become complicated in some situations.
When you purchase multiple items, the price for a single item will need to be over £100 and under £30,000 to be eligible. For example, two tickets prices at £55 each wouldn’t covered as their individual price is below the £100 threshold.
Delivery is also not included, so if you bought a ticket for £98 and paid £5 delivery, this wouldn’t be covered as the ticket price is less than £100.
You’re also not covered for:
Section 75 may also not cover you if the supplier provides a credit voucher or gives you the option to re-book.
If your flights, package holidays or events are cancelled, refer to your contract in the first instance – it’s important to understand the supplier’s terms relating to cancellations, refunds or re-booking. It could help you set out your dispute or claim and could help you to get a resolution faster.
If your booking isn’t cancelled, check the Foreign and Commonwealth Office’s (FCO) current travel restrictions for guidance and advice. You may need to wait until any restrictions or bans are extended before being able to make a Section 75 claim.
If the supplier gives you the option to re-book or take a credit voucher, you won’t be able to raise a dispute or claim under Section 75, unless this is in breach of the supplier’s terms and conditions.
If the supplier stops trading or becomes insolvent and cancels, but doesn’t offer a refund or re-booking, you may be able to make a Section 75 claim.
If you have travel insurance cover, you may be able to make a claim if your trip has been cancelled for reasons beyond your control. This will depend on the type of travel insurance you have, the policy terms, when you purchased it, where you're travelling to, and your dates of travel.
Typically, your travel insurance claim will only be considered if you can show that you've been unable to recover your losses from your travel or accommodation provider.
To raise a dispute or claim under Section 75, you’ll need to provide us with:
In some cases, we may ask for evidence that you’ve tried to resolve the dispute and recover your losses.
