How late does a Lumo train have to be to claim?

Lumo pays Delay Repay from 30 minutes late at your destination. That is later than most of the network, which pays from 15 minutes, and it is the most common reason a claim here gets refused.

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.

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.

Does Lumo pay Delay Repay automatically?

Partly. LumoFixed and LumoFlex Advance tickets bought on the Lumo website or app, with prior opt-in. They spot the delay and pre-fill the claim, but you still have to confirm it, so nothing arrives if you ignore the email.

Delay Repay · Lumo

Lumo Delay Repay

Lumo pays from 30 minutes late, you have 28 days to claim, and it costs nothing to do. Here is exactly what you get and where to file it.

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.

30 minutes or more late50%
60 minutes or more late100%

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.

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

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

Claim from Lumo

Common questions

How late does a Lumo train have to be to claim?: Lumo pays Delay Repay from 30 minutes late at your destination. That is later than most of the network, which pays from 15 minutes, and it is the most common reason a claim here gets refused.
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.
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.
Does Lumo pay Delay Repay automatically?: Partly. LumoFixed and LumoFlex Advance tickets bought on the Lumo website or app, with prior opt-in. They spot the delay and pre-fill the claim, but you still have to confirm it, so nothing arrives if you ignore the email.

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.

See how it 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. 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.