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Did you know lastminute.com lets you refund non-refundable flights?

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The price gap between refundable and non-refundable flights is normally huge, as we all know.  The risks of buying a non-refundable flight can be partly offset by travel insurance, but that doesn’t cover every possible reason for cancelling.

Sometimes you don’t need to travel anymore for reasons which insurance doesn’t cover.  Broken up with your partner?  Lost your job?  Got a new job?  Reward availability opened up?  Found a better flight deal via a Head for Points article?  Simply changed your mind about going?  Your travel insurance isn’t paying out.

lastminute.com offers a little-known ‘no excuses needed’ insurance policy called Full Flex for non-refundable flights.  I’m sure you can see how this could be useful.

Oddly, Full Flex is very rarely discussed, even though lastminute.com has offered it for at least two years now.  I don’t know of anyone who has ever used it, yet alone claimed on it.

(EDIT: there is a comment below from a reader who did use this, and claimed on it. He received his refund voucher immediately once he had called to cancel.)

Take a look at the screenshot below (click to enlarge).

I have priced up a Virgin Atlantic business class ticket to New York for March.  The cost is £1,959.

lastminute.com Full Flex

For an extra £80.88 per person, each way, I can turn my ticket into a ‘virtual’ refundable one:

As the lastminute.com site says:

  • Can’t travel anymore? You can cancel any time for any reason. No questions asked.
  • Hassle free: Just give us a call and we’ll send you a voucher worth 90% of the original ticket price
  • No Handling fees & priority assistance: we will not charge handling fees to cancel or modify your booking.
  • You’ll receive a voucher with a value of 90% of the ticket price to use within 12 months for your next reservation. Any cancellation request applies to the whole booking and not individual sections or legs booked.

You won’t get your refund in cash.  It will come – within 48 hours of requesting cancellation – in the form of a lastminute.com gift voucher, valid for 12 months against a flight booking.  This is hardly a massive restriction in my view, given what you are being offered.

In my example, the extra cost was 8.5% of the original ticket price.  This appears to be standard, looking at various examples.  Note that lastminute.com does NOT include the cost of Full Flex premium in calculating the 90%, which means:

  • You book a flight for £1,000
  • You pay (roughly) £1,085 including Full Flex insurance
  • You get £900 back if you choose to cancel, in the form of a lastminute.com flight voucher

Doing the maths including the premium, you are only getting back 83% of what you paid – although that still isn’t bad.

The option comes up during the payment process, once you have entered your name and address and after the page encouraging you to add car hire.  Note that the maximum claim is €5,000.  As this is an insurance policy you are allowed to change your mind within 14 days and get your premium back.

The rules appear straightforward and, if you want to lock in a good deal but are not 100% certain of making the dates, this could be a real option.

The only snag I can see with Full Flex is that war, natural disaster and the like are not covered – you cannot cancel if a problem breaks out at your destination. This could be a risk as the insurer would not pay even if the event was not your reason for cancelling.

For absolute clarity, Full Flex does NOT turn your ticket into a ‘real’ flexible one.  You cannot change the date or routing for free as you could with a ‘real’ fully flexible ticket.  Neither does it give you the additional airline miles or tier points that a ‘real’ fully flexible ticket offers.  The ONLY benefit you get (but it is a very good benefit) is the ability to cancel your flight without question at any point for a 90% refund.

Comments (80)

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  • Kit Brennan says:

    The screenshot says £53.85 per segment. As this is a four segment flight, that would be a premium of £215.40, or ~17% of the original ticket price. Still a far cry cheaper than a fully flex ticket, but not quite as good deal.

    • Rob says:

      I’ve swapped over the example to a point-to-point flight to remove any confusion!

  • The Original David says:

    Quite a misleading banner then, given the small print. “Cancel any time for any reason. No questions asked.” Except there’ll be lots of questions asked and no cancellation allowed in various force majeure situations…

  • Aston100 says:

    Not surprising that its hardly purchased them.

  • Jeremy Gautrey says:

    If you book via last minute would you get tier and points on the flights flown?

    • The Original David says:

      Yes, although only for whatever fare bucket your ticket books into, which isn’t always advertised by the OTA until after purchase.

      • Alex Sm says:

        Speaking about this… Sometimes the booking class letter is important but not all OTAs show it.
        My partner and I normally check Expedia which shows the letter and _assume_ that the flight XXX at the price around £YYY is the same class across all OTAs offering it at that given moment (and the airline itself).
        Normally this assumption works – but tell us if we are wrong in our assumption. Thanks

        • Lady London says:

          You could be wrong. Always worth checking around if the booking is price sensitive for you. Suite often one OTA will apply rules or mix flights differently – rightly or wrongly.

          Personally i avoid OTA’s whenever i can as nightmare in case of reschedules etc. As if you book though an OTA you are forced to deal though them on that type of thing. Plus quite a few their staff just dont know anything or May give you a bad steer.

  • Aliks says:

    Leaving aside flights that start or finish in the European Union, is there any international standard governing flight changes made by the airline?
    If the airline cancels a flight or reschedules, are they obliged to offer alternative flights or a refund? or can they set their terms of carriage to say “no refunds whatever”??

    • John says:

      There is no international standard but the US, Canada, Turkey and Israel have their own compensation schemes. EC261 also applies to several non-EU countries like Bosnia and Switzerland. Otherwise you have card protection for a service not delivered.

  • BJ says:

    The flexibility this offers effectively costs about 17%, and potentially more for indirect flights. In this case £277 or thereabouts. It would have been very helpful if you had given Virgin a quick call to ascertain whether paying this much more might have got you something more flexibly with them directly. I find this is the main problem booking with airline sites, we don’t get to see the full range of fares and conditions available. Sometimes much greater flexibility can be had for very reasonable additional cost. The two other problems I have with this are that the refund is a voucher, and making flight bookings via online travel agents can result in extra grief if flights are changed or cancelled, especially at times of mass disruption such as industrial action, ash clouds and the like. However, I don’t want to be dismissive, this is an interesting article that I’m happy to see here on HFP, I am sure it will provoke an interesting discussion today.

    • Rob says:

      Flexibility with Virgin on a slightly pricer tickets would never be better than ‘£300 (at a guess) change fee plus you pay the fare difference ‘. You won’t get the ability to refund without buying a flexible ticket.

  • tony says:

    I have used this as I booked a sale fare many months out and thought I might not be able to travel so can confirm that it is absolutely a case of no quibbles and no questions asked. As noted, you do pay on both sides of the trade, partly for the premium then also for the excess if used. Presumably lastminute has done the maths here and that’s where the sweet spot lies.

    Within minutes of cancelling (which I had to do by phone) I received a voucher code by e-mail which could be applied to the new booking.

    Another not so well publicised option I’ve seen with another OTA is that Expedia now offers the ability to pay for flights in 3 interest free instalments.

  • Mr(s) Entitled says:

    On the subject of cancellations I have a ticket on AA for LHR-IAD-MSY booked via an OTA. It is a single ticket under one PNR, not two separate bookings.

    AA have cancelled the IAD-MSY flight moving me on to their next departure (which is a new flight number). This creates a seven hour layover and a very late arrival into MSY that I am keen to avoid.

    The OTA tells me that nothing can be done. I believe that I will be entitled to compensation for the late arrival under EU law but I would rather reroute in advance to a more convenient flight. There are no better flight times out of IAD so can I force a reroute of the entire ticket to cut out IAD and am I limited to AA metal?

    Thanks in advance

    • Nick says:

      Has AA really done this with under two weeks’ notice? Normally they’re better about doing it further out (hence no EU comp would apply).

      In any case, this shows why people should always book direct with an airline. AA would have zero problem rebooking you over CLT in this circumstance. I dare say a ‘traditional’ travel agent would also do it. In answer to your question though, the OTA can apply their own restrictions if they want to (that’s how they keep costs down). You could point out AA’s flexible rebooking policy and keep asking, but the OTA is not obliged to do anything if they don’t want to, and they ‘own’ your booking so the airlines can’t take control and do it themselves. Finally, I don’t see why you think you’re limited to AA metal though, given that LHRIAD will be a BA operated flight, not AA.

    • John says:

      Appreciate you want to sort it before leaving home, but if you were departing from the US they would have no trouble rerouting you at the airport (depending on availability), not sure about LHR though, otherwise you could ask when you get to IAD if you know of another suitable option.

      • Mr(s) Entitled says:

        John,

        The flight they have moved us to is the next available one, of any airline, making the trip between Washington and New Orleans. Only way to avoid the long layover is to avoid Washington.

        I would concur however, having made numerous US domestic flights, they are treated more like busses and I have found gate agents very accommodating in the past.

        • Nick says:

          Right, so 4 weeks’ notice means no compensation at all. And LHRIAD is definitely a BA flight, AA doesn’t fly that route.

          You have three choices here… 1. keep hassling the OTA to reroute you, pointing out that AA allows this (I suggest finding a suitable route first, I would try CLT as the timing works best, or even the direct LHRMSY flight), 2. accept it but learn your lesson about that particular OTA in future, 3. take the first flight, then ask AA when you get there about rerouting. There might be an earlier option via DFW than waiting for yours.

          • Lady London says:

            Why not just cancel it? I’d want my money out of that lazy agent and as Nick says, lesson learned. IIRC EU261 does pût thé choice of a refund, or taking a reroute in your hands not the airline’s. So invoke that right. OTA has to refund. It’s a significant change by the airline that is not suitable for you so demand your refund. That might force a more acceptable rerouting.

            Where’s Shoestring when you need him? 🙂

    • Lady London says:

      AA did this to me once when they were still selling seats, and many still available, on thé flight I’d originally booked.

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