Section 75 refunds - receipts

daveshoelace

Hi all,

Just put a £100 deposit on a kitchen with a credit card to insure it, as per this:

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

Just wondering if anyone knows how one needs to prove the deposit to claim insurance? I have a card receipt but that has no indication of what the purchase is for (other than the Kitchen-y name of the company). Is this enough or do I need an 'official' receipt which indicates the specific item being purchased?

[Deleted User]

The credit card transaction will hold all the details the card company needs. You'll presumably have other documentation which specifies exactly what you're buying.

For future reference, you don't need to put £100 on the card. Any amount will do, as long as the item is between £100-35k.

chattychappy

You could come a cropper if you really think you have purchased "insurance".

If S75 applies to a transaction, it merely makes the CC jointly liable with the merchant in the case of breach of contract or misrepresentation.

So you can only make a claim on the CC in a situation where you have a claim on the merchant. Of course this can be really handy if the merchant goes bust or disappears. But it won't protect you in traditional insurancy situations such as accidental damage nor will it operate as some kind of extended warranty beyond what the supplier offers.