Train Delays Compensation: How to Claim Your Money Back in the UK

If you’ve ever stood shivering on a platform or stuck on a stationary train with no explanation, you’re not alone. Train delays are frustrating, but what many UK passengers don’t realise is that you may be entitled to compensation—often even for delays as short as 15 minutes.

This guide walks you through your rights, how much you can claim, and the exact steps to get your money back when your train runs late.

When Are You Eligible for Train Delay Compensation?

Most UK train operators are signed up to schemes such as Delay Repay, which set clear rules about compensation for delays, regardless of the cause (excluding planned engineering works and some exceptional events).

You’re usually eligible if:

• Your train is delayed by 15 minutes or more

• You had a valid ticket for the journey

• The delay was not announced in advance

• You claim within the required timeframe (typically 28 days)

Importantly, you can still claim if you completed your journey, not just if it was cancelled.

How Much Can You Claim for Train Delays?

Compensation depends on the length of the delay and the type of ticket (single, return, season).

Here’s a simplified overview for most Delay Repay schemes:

Note: Not all train operators offer 15-minute delay compensation. Some start at 30 minutes.

What Is Delay Repay and How Does It Work?

Delay Repay is a nationwide scheme adopted by most train operators in the UK. It allows passengers to claim partial or full ticket refunds when trains are late by a set amount of time.

The key points:

• You can claim online on the train operator’s website

• Some operators offer automatic payouts for registered users

• Claims must be made within 28 days of the journey

Major operators using Delay Repay include:

• Avanti West Coast

• LNER

• Southern

• South Western Railway

• Northern

• TransPennine Express

For full details, check the National Rail Delay Repay info page.

How to Make a Train Delay Compensation Claim

Step 1: Keep Your Ticket or Receipt

You’ll usually need:

• A photo or scan of your ticket

• Details of the scheduled and actual times

• Journey date and destination

If you booked via app or online (e.g., Trainline or your bank’s travel tool), digital tickets may be accepted.

Step 2: Visit the Operator’s Claim Portal

Go to the train company’s Delay Repay section (e.g., Avanti West Coast Delay Repay) and submit your journey details.

Step 3: Choose Refund Method

You can usually select:

• Bank transfer

• Voucher for future travel

• PayPal or cheque

Some banks, like Barclays or Santander, allow travel bookings through their platforms—if your ticket was bought this way, refunds may be processed directly to your bank account.

Example: Claiming Delay Repay with LNER

Suppose you booked an LNER train from Edinburgh to London and arrived 1 hour and 10 minutes late.

• Ticket type: £55 single

• Delay: 70 minutes

• Scheme: Delay Repay 30

✅ You’re entitled to 100% refund of £55, which you can claim through the LNER Delay Repay Portal.

What About Season Ticket Holders?

If you use a weekly, monthly or annual season ticket, you’re still eligible for compensation.

Here’s how it works:

• Refunds are calculated based on the daily value of your pass

• You may need to log multiple delays during the covered period

• Some operators have specific claim thresholds for season ticket users

You must typically register your season ticket and create an account with the operator to claim. For example, Thameslink and Southern allow season ticket holders to receive automatic Delay Repay if they register.

Can Train Delays Affect Your Bank Spending or Travel Insurance?

If your train delay causes a missed flight or critical meeting, and you’ve paid for travel insurance via your UK bank, you might be covered.

Some premium bank accounts offer this:

• Nationwide FlexPlus: Includes travel insurance that covers missed transport connections

• Barclays Travel Pack: Can provide hotel or alternative transport cover

• Lloyds Platinum Account: May reimburse for delay-related expenses

Always check your policy terms and keep receipts for taxis, hotels, or meals.

What If Your Train Was Cancelled Entirely?

If your train was cancelled and:

• You didn’t travel at all – you’re entitled to a full refund

• You had to take a later train – you can claim compensation under Delay Repay

Visit the operator’s refund page or go through the retailer (e.g., Trainline, National Rail) for a full reimbursement.

Do You Need to Accept Vouchers Instead of Cash?

No. You always have the right to choose how you want your compensation. If you prefer a cash refund over a travel voucher, make sure to tick that option on the claim form.

Some companies may try to default you to travel credit—don’t be misled. You are legally entitled to money back.

How Long Does It Take to Receive the Compensation?

Most operators process Delay Repay claims within:

• 10 working days (on average)

• Some offer faster payouts for registered users

If your claim is rejected unfairly, appeal by contacting their customer service with additional evidence (e.g., screenshots, news of signal failure).

Top Tips to Strengthen Your Claim

• Always screenshot delay notifications from the train operator

• Register your ticket or account in advance if possible

• Keep all receipts if you had to arrange alternative travel

• Don’t delay: Submit within 28 days

Common Mistakes That Can Void Your Claim

❌ Throwing away your ticket before claiming
❌ Submitting after the deadline
❌ Choosing the wrong operator or journey leg
❌ Accepting vouchers when you wanted cash
❌ Not including supporting evidence

Can You Claim for Tube Delays in London?

Yes, TfL offers a refund if your London Underground journey was delayed for 15 minutes or more due to reasons within their control.

Visit the TfL refund form to make a claim.

This applies to:

• London Underground

• Elizabeth Line

• DLR

• London Overground

Final Thoughts: Don’t Miss Out on What You’re Owed

Train delays are annoying—but missing out on compensation is even worse. With Delay Repay and better passenger rights across the UK, it’s easier than ever to get back the money you’re entitled to.

Whether you’re a commuter or a casual traveller, knowing your rights can turn frustration into financial recovery. Claim every time—and don’t accept less than you deserve.

Helpful Resources

• National Rail Delay Repay Info

• LNER Delay Repay Form

• TfL Delay Repay Claims