Credit card cover for flights

k3lvc

@Davek3737 you've still not said whether you have travel insurance - wherever you're picking your quotes from they're no guarantee that you'll get anything more than the flight costs back

In situations like this S75 is intended to be the insurer of last resort - not the first port of call 

Davek3737

k3lvc said:

@Davek3737 you've still not said whether you have travel insurance - wherever you're picking your quotes from they're no guarantee that you'll get anything more than the flight costs back

In situations like this S75 is intended to be the insurer of last resort - not the first port of call 

Yes we have annual travel insurance, however having claimed a S75 previously the process was so simple and straight forward. I get there's no guarantee and if the worst happens we have to buy new flights at a greater cost so be it.  Just good to know S75 would cover the failed flights if that should happen.   

MEM62

Davek3737 said:

Yes we are direct with the airline, I would argue that the contract was to get us from a to b on this date in this manner  and therefore if rebooking costs more then the extra should be covered, I am sure this has been tested in court but can't find the ruling. 

Travel insurance is proper vehicle for the protection you are seeking and, considering the modest cost, there is no sense in trying to substitute this for S75 - which is not designed for this purpose.    

Davek3737

Just reading the FcA guidance published to insurers when faced with cancellation claims and they advise them to explore S75 with the consumer first as the consumer would have greater financial protection.. Obviously not every booking would be on a cc. So yes go to insurers first but they should refer to S75 for cc transactions it seems. 

Upsidedownandaround

Davek3737 said:

Hi, we have flights booked for later this year, biz class, long haul from London to Asia. It looks as though the airline is not doing so well and appears to be struggling. If the airline fails I assume we can claim back the cost on section 75 but I think I read that consequential loss is also covered.  We have hotels booked direct  and we would wish to keep the trip even if the airline does fail.  So would we be entitled to rebook alternative flights of the same class, routing, dates and claim the extra cost back under section 75 .  Are we entitled to be put back in a position the same as we would have been if the airline had not failed.?  Obviously hoping it doesn't happen but just want to be be prepared and know what to do if it happens. Thanks 

What you are able to claim will be the same as what you would be able to claim against the airline had they not ceased to exist. 

You have “a like claim” against a creditor. Nothing more nothing less.

Any consequential losses you are entitled to claim from your credit card will be the same as that from the airline.

So it will depend on the circumstances and whether you would have a valid claim against the airline in the same circumstances had they cancelled your flight and still existed.