There are now strict rules that train operating companies and airlines have to follow if their passengers’ journeys are significantly disrupted.
Booked your holiday? Protect it from the moment you buy Saga's Travel Insurance.
Under the National Rail Conditions of Carriage in the UK, train companies must provide a refund of a fraction of the ticket price if delays or cancellations result in passengers arriving more than an hour late.
However, this is a minimum requirement and some operators offer more generous compensation: for example, Southern refunds half of the price paid for a single ticket for delays between 30 and 59 minutes and the whole of a single ticket for an hour or more.
The watchdog Passenger Focus has more information about individual companies’ disruption policies.
Related: Cutting the cost of train travel
Play our fun, free online games, including crosswords, sudokus and codewords.
Rules introduced by the European Union in 2012 mean that airlines must compensate passengers who are delayed by three hours or more. These rules apply to EU-based airlines, as well as to all flights which depart from the EU – but they do not cover delays that are due to exceptional circumstances, such as poor weather.
The level of compensation depends on the flight distance and the length of the trip: for flights of 3,500km or more, for example, a four-hour delay entitles passengers to €600 (£553 correct at time of review) in compensation.
For more details about compensation levels, visit the European Union website.
Related: Get a good deal on your holiday
Claiming for further losses
Rules on both rail and air delays generally do not cover any losses that arise as a result of delays – for example, lost earnings due to a missed day at work, or the failure to make a connecting train.
However, National Rail says that train companies will consider additional claims “in exceptional circumstances”. As such, it could be worth making a claim but the operator will be under no obligation to offer you any more money than its refund policy stipulates.
In most situations, the only way to get compensation for such consequential losses is by taking out a travel insurance policy that explicitly covers this type of claim.
This would also allow you to claim compensation if you missed a flight or train due to traffic problems or other delays, for example.
Subscribe today for just £29 for 12 issues...