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Delay Repay · Lumo

Lumo Delay Repay: rates, claim form and time limit

Lumo pays Delay Repay from 30 minutes late: 50% of a single fare at 30 to 59 minutes and the full single fare from an hour. A return ticket pays 25% and then 50%. You have 28 days to claim.

Checked against Lumo's own page on 8 October 2026

Go to the Lumo claim form

Pays from

30 min

Deadline

28 days

Automatic?

Detected, you confirm

What Lumo pays

Every tier is a percentage of the single fare for the delayed direction. If you bought a return, the single fare is half what you paid, which is how every UK operator calculates it. Unlike most operators, Lumo has no band for two hours or more. On a return, the most it pays is half, however late you arrive.

Worth repeating: Lumo starts at 30 minutes, not 15. A 25-minute delay pays nothing here even though it would pay on most of the network.

What Lumo's own page says

What are you entitled to?

  • Delays under 30 minutes - no compensation is due.
  • Delays of 30 to 59 minutes - we will pay 50% of the cost of your single ticket or 25% of your return ticket.
  • Delays of one hour or more - we will pay the full cost of your single ticket or 50% of the cost of your return ticket.
  • Applications must be made within 28 days of the date of the delay; any applications made outside of this will not be accepted.
Copied word for word from Lumo's own Delay Repay page on 8 October 2026. Open the source

Will they claim for you?

Partly, and the wording matters. The scheme covers lumoFixed and LumoFlex Advance tickets bought on the Lumo website or app, with prior opt-in.

The opt-in is the catch. You have to register in advance using the same email as your booking account, and it has to be switched on by the day you travel. It cannot be applied backwards, so signing up after a bad journey does nothing for that journey. Open Anytime tickets are excluded and stay manual.

Across the network only c2c pays with no action at all. Everywhere else, "automatic" means the operator fills the form in and waits for you to press the button.

How to claim from Lumo

  1. Open the Lumo claim form
  2. Have your booking reference from the confirmation email to hand
  3. Give the date, the departure and arrival stations, and the scheduled time
  4. Say how late you arrived, not how late you departed. The scheme scores arrival
  5. Attach a photo of the ticket or your e-ticket screenshot
  6. Submit within 28 days of travelling
  7. Expect a response within about 20 working days
  8. If it is refused and you think that is wrong, the Rail Ombudsman is free
Claim from Lumo

Common questions

Can I claim Delay Repay if my Lumo train was 20 minutes late?
No. Lumo's page says delays under 30 minutes get no compensation, and it lists a delay of less than 30 minutes as a reason a claim is unsuccessful. The first payment starts at 30 minutes.
What do I get if my Lumo return ticket was delayed two hours or more?
Lumo's page has no separate band for two hours. A delay of one hour or more pays 50% of the cost of your return ticket, so two hours pays the same as one hour, not the whole return fare.
How does automated Delay Repay work on Lumo?
You have to opt in before you travel: register with the same email address as your Lumo booking account and switch it on no later than the day of travel, because it cannot be added retrospectively. It covers LumoFixed and LumoFlex advance tickets, and Lumo says it processes the claim within 24 hours of a delay of 30 minutes or more. Open anytime tickets must be claimed through the portal.
How much does Lumo pay?
A percentage of your single fare: 50% from 30 minutes, 100% from 60 minutes. On a return, the single fare is treated as half what you paid. Lumo has no higher band for long delays, so the most a return gets is half, even at two hours or more.
How long do I have to claim from Lumo?
28 days from the date you travelled. After that they are within their rights to refuse, though it is still worth asking if you have a good reason.

The hard part is remembering

Only 45% of passengers with an eligible delay ever claim, and the most common reason is not that people think it is complicated. It is that 28 days pass. Untap watches your journeys and tells you while there is still time. Free, and we never take a share of what you get back.

Price a Lumo journeyOr see how the watching works

Other operators

See every operator and how Delay Repay works

Thresholds, tiers and deadlines are taken from Lumo's own published Delay Repay terms, checked on 8 October 2026. Operators change these from time to time, so the claim form is always the final word. Untap helps people in the UK find money they are already owed. We do not file claims and we do not take a share of any refund.