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Part payment section 75
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Assuming you satisfy the other eligibility criteria (total transaction value, third party aspects, etc) then yes, any payment by credit card gives the same s75 coverage as if you'd paid the whole thing by CC.0
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Though travel insurance taken out at the time of booking is far safer bet than S75
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I wouldn't see s75 and travel insurance as being mutually exclusive anyway - they fundamentally mitigate different risks even though some may overlap. grumbler's example above is of something covered by s75 but not (some) insurance, whereas s75 won't help in the event of, say, critical illness preventing travel.
So, where possible (without incurring significant extra cost) then it'll usually be worth arranging both insurance cover and partial payment by credit card, along with using organisations who are members of schemes or associations like ATOL, ABTA, etc, for keeping all options open in the event of problems!0 -
Really?
I don't know about other insurances but mine definitely has "Bankraptcy/liquidation of any tour operator, travel agent or transportation company" among Main Exclusions and Limitations.
OP didn't mention anything specific like that though, relying on S75 to cover issues with a holiday is a hiding to nothing, if the airline goes under and they already have hotels booked, S75 isn't going to cover the hotels is it?Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Section 75 does, indeed, cover consequential losses.OP didn't mention anything specific like that though, relying on S75 to cover issues with a holiday is a hiding to nothing, if the airline goes under and they already have hotels booked, S75 isn't going to cover the hotels is it?
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YorkshireBoy wrote: »Section 75 does, indeed, cover consequential losses.
Not if paid through intermediaries like a travel agent. Plus it's a struggle to claim back stuff like hire car, hotel etc just because the plane company / travel agent failed; nor will it work if the payment was not for something for you (e.g. buying a solo flight for a birthday treat for someone else)Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I didn't say it was. But I agree with you that in most cases, unless the travel agent is owned by the airline group, going through such an intermediary would break the D-C-S chain. By way of an example on consequential losses...Not if paid through intermediaries like a travel agent.
If I book flights direct with Ryanair on a credit card (subject to the usual >£100 item cost), and hotel/resort transfers/airport parking with Expedia on a debit card, and Ryanair go bust...then my credit card provider will be liable for either a) my cost of getting other flights to my destination airport or b) the cost of said hotel/resort transfers/airport parking. Agreed?
But fundamentally, if you have a valid claim under section 75 for one element of your holiday, then you also have a valid claim for consequential losses *in all cases*. Agreed?0
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