Section 75 cover for flights?

milleniumaire

I'm looking to purchase 6 flights and I'm a little concerned about paying for all the flights on my own credit card as I think there may be possible issues with any section 75 claim, or possibly an insurance claim, should it be necessary.

The flights are for myself, my wife and two sons, aged 23 and 26, and their girlfriends.  While my sons girlfriends will be giving us the money for their flights, it makes sense to book all flights at the same time to ensure we all get on the flight and can get appropriate seat allocations.

However, if the airline went bust would it be possible to claim the cost for all 6 people under section 75?

As we are spending a long weekend away, my wife and I are already covered by an annual policy.  We will ask our sons and their girlfriends to take out their own travel insurance policies.  If there are flight delays or cancellations that result in us needing to make a claim on our individual insurance policies, will having purchased the flights on a single credit card be a potential issue?

eskbanker

milleniumaire said:

However, if the airline went bust would it be possible to claim the cost for all 6 people under section 75?

From a s75 perspective, if you're the primary cardholder and make a single purchase for a related group with you as lead passenger, then this shouldn't preclude a successful claim if necessary, assuming you're booking directly with the airline rather than via an agent, but if the airline went bust then a chargeback claim would probably be simpler anyway.

milleniumaire said:

If there are flight delays or cancellations that result in us needing to make a claim on our individual insurance policies, will having purchased the flights on a single credit card be a potential issue?

Any costs directly related to flight delays or cancellations should be picked up by the airline rather than insurers, but in the event of something resulting in an insurance claim then the fact that payment would have been made on one person's card shouldn't invalidate claims by other policyholders.

born_again

Dont forget it will be per ticket that counts. So unless ticket is £100+ S 75 will not come into play.

Far better to look at travel insurance. But make sure that the rest of the group get the insurance in place when booking.

DullGreyGuy

milleniumaire said:

I'm looking to purchase 6 flights and I'm a little concerned about paying for all the flights on my own credit card as I think there may be possible issues with any section 75 claim, or possibly an insurance claim, should it be necessary.

The flights are for myself, my wife and two sons, aged 23 and 26, and their girlfriends.  While my sons girlfriends will be giving us the money for their flights, it makes sense to book all flights at the same time to ensure we all get on the flight and can get appropriate seat allocations.

However, if the airline went bust would it be possible to claim the cost for all 6 people under section 75?

As we are spending a long weekend away, my wife and I are already covered by an annual policy.  We will ask our sons and their girlfriends to take out their own travel insurance policies.  If there are flight delays or cancellations that result in us needing to make a claim on our individual insurance policies, will having purchased the flights on a single credit card be a potential issue?

The important Q is where you are buying them from, if its direct from the airline and you are the lead passenger then yes, though chargebacks are more relevant. Remember S75 would only apply if each ticket is over £100

And no issues with the insurance, insurers cover the travelers not the buyers, unfortunately people make the mistake in thinking that if they've paid for it all then they are the only ones that need to insurer it but thats not the case. 

milleniumaire

Thanks for your responses.  The tickets are around £170 return each so over the required minimum £100 spend.  The airline is KLM and the tickets will be purchased directly from them so no agency will be used.

It looks like I'm worrying about nothing, so will purchase for everyone.

CliveOfIndia

milleniumaire said:

Thanks for your responses.  The tickets are around £170 return each so over the required minimum £100 spend.  The airline is KLM and the tickets will be purchased directly from them so no agency will be used.

It looks like I'm worrying about nothing, so will purchase for everyone.

So, as far as it goes, S75 will cover you.  One would hope that a company such as KLM would not go bust, though stranger things have happened in the not-too-distant past!

Do remember though, S75 is no substitute for proper travel insurance.  Yes, it's an added layer of protection, but only covers you where the supplier breaches the terms of the contract.  If, for instance, you had to abandon the trip due to illness, S75 would give you zero cover - this is where proper insurance is well worth the premium.  It sounds like you've got the insurance angle covered, good on you for that - though I sincerely hope you don't have to use it, and you have a lovely break away

born_again

milleniumaire said:

Thanks for your responses.  The tickets are around £170 return each so over the required minimum £100 spend.  The airline is KLM and the tickets will be purchased directly from them so no agency will be used.

It looks like I'm worrying about nothing, so will purchase for everyone.

But is each trip charged separately?

dazza.mk

CliveOfIndia said:

One would hope that a company such as KLM would not go bust, though stranger things have happened in the not-too-distant past!

Agreed , given KLM is owned by Air France/KLM if they were to go bust there would be serious repercussions.

CKhalvashi

milleniumaire said:

Thanks for your responses.  The tickets are around £170 return each so over the required minimum £100 spend.  The airline is KLM and the tickets will be purchased directly from them so no agency will be used.

It looks like I'm worrying about nothing, so will purchase for everyone.

We had the debate a few years ago that it could be per flight and not per return ticket. In this case each flight would average to around £85.

This was in a low cost context though, so in the case of KLM it could reasonably argued that the discounted fare for the return flight wouldn't have been applied for each individual sector. It is, however, something a CC company may wish to throw in there.

Marchitiello

born_again said:

milleniumaire said:

Thanks for your responses.  The tickets are around £170 return each so over the required minimum £100 spend.  The airline is KLM and the tickets will be purchased directly from them so no agency will be used.

It looks like I'm worrying about nothing, so will purchase for everyone.

But is each trip charged separately?

Have never booked directly with KLM but do so all the time with BA and they do split the transaction per person, even though the payment screen may only show the total (on my Amex statement there are multiple entry when I buy a family trip, all under the same PNR).

born_again

Marchitiello said:

born_again said:

milleniumaire said:

Thanks for your responses.  The tickets are around £170 return each so over the required minimum £100 spend.  The airline is KLM and the tickets will be purchased directly from them so no agency will be used.

It looks like I'm worrying about nothing, so will purchase for everyone.

But is each trip charged separately?

Have never booked directly with KLM but do so all the time with BA and they do split the transaction per person, even though the payment screen may only show the total (on my Amex statement there are multiple entry when I buy a family trip, all under the same PNR).

Not so much per person (which they do anyway), but outbound flight & return being invoiced separately. Even if billed as one charge.