What’s not covered?
Items outside of the value limits are not covered. The example that’s usually quoted to illustrate is for two single flights costing £99. While you might see this as a return trip for £198, Section 75 doesn’t. That’s two £99 items as far as the Act is concerned, and you’re not covered.
If you have an additional cardholder, you’ll need to demonstrate that the primary card holder has also been disadvantaged to make a claim. It’s safer therefore, to use the primary card when making larger purchases.
You’re unlikely to be covered when payments are made to a third party, that is, not the one that’s responsible for supplying the goods. The credit card company will argue that it didn’t have a direct relationship with the supplier in this instance.
This makes claims through things like PayPal, WorldPay, Amazon Marketplace or flights via a travel agent a lot more complicated and you would probably be best to avoid them altogether. In these circumstances you can still make a claim but it is likely to be harder work and may be contested. Check what secondary protections might exist. The payment processors all have their own refund systems and ATOL will help in some travel situations.