All the snow compensation and payments you could be due if cold weather affects your day from heating to train delays

BRITAIN is shivering through a big freeze – but did you know the sub-zero temperatures could land you a cash windfall?

From cancelled trains to freezing flats, the cold weather causes chaos.

But if the snow disrupts your day, you shouldn’t be left out of pocket.

We’ve rounded up the full list of refunds, compensation and cold hard cash you could be owed right now.

Here is everything you need to know to claw back your cash this winter.

1. Train delays – worth £100s

You can claim money back if your train is delayed or cancelled due to snow.

Most train companies use the Delay Repay scheme and you can claim for weather issues just like any other delay.

You can usually get 25% of your ticket cost back if you are delayed by fifteen to twenty nine minutes.

You can get 50% of your money back if you are delayed by thirty to fifty nine minutes.

You are entitled to a full refund (100%) of a single ticket if you are delayed by more than sixty minutes.

Season ticket holders can also claim for individual delayed journeys by snapping a photo of the ticket and filling in the online form.

You must remember to claim within twenty eight days or you will lose the chance to get your money.

You can also get your money back if your train is cancelled or you choose not to travel.

Your unused ticket can be refunded, National Rail says, and you shouldn’t be charged a fee for this.

2. Flights delayed or cancelled – worth £1,000s

Snow can ground planes fast and airlines don’t need to pay pay compensation as bad weather is an extraordinary circumstance.

However, you are still entitled to help even if the airline says the weather is not their fault.

The airline must offer you a full refund or an alternative flight to your destination if your original flight is cancelled.

If you choose to be re-routed or if your departure is delayed by more than two hours, airlines also have to provide assistance such as food, phone calls and accommodation where appropriate to passengers, regardless of what caused the cancellation.

You should ask airline staff before booking your own hotel or keep receipts for reasonable expenses to claim back later.

You will be entitled to compensation if the airline admits they cancelled your flight due to a shortage of crew rather than just the weather.

You must ask yourself if your flight was cancelled less than fourteen days before departure.

This is because you aren’t entitled to compensation for the cancellation if the answer is no.

You still have the right to a refund or an alternative flight though.

You may be entitled to flight delay compensation if that alternative flight is delayed.

Your flight has to have been cancelled less than two weeks before you were meant to fly to get compensation on top of a refund.

The amount you will get is fixed depending on the timing of your new flight and the distance travelled.

This compensation is per person so you should multiply the amount shown below by four for a family of four.

Heating and hot water – worth £100s

If you are renting and your boiler packs up in the big freeze, your landlord has a legal duty to fix it.

Under the Landlord and Tenant Act 1985, your landlord must keep heating and hot water supplies in “proper working order.”

There is no set time limit in law, but for “emergency” repairs (like no heat in winter), 24 hours is considered reasonable.

You could be entitled to compensation if they leave you freezing for days.

You can ask them to pay for the cost of electric heaters or higher electricity bills so make sure you keep your receipts.

You should complain in writing immediately but do not stop paying your rent or you could get evicted.

Water outages – worth £100s

You could be entitled to cash if an emergency like a burst main pipe interrupts your water supply.

Citizens Advice says your water company must restore the supply within twelve hours of becoming aware of the problem.

They have forty eight hours to fix it if the problem is with a strategic main pipe.

You could be entitled to compensation of £20 for the first twenty four hours of an interruption to supplies.

You can claim another £10 for each further period without water.

Your water company must take reasonable steps to let you know where to get an alternative supply and when it plans to restore the water.

They might try to claim exceptions for exceptional weather but this mainly applies if there was a huge storm.

You should contact your provider via the Consumer Council for Water website if you are left without water.

Driving test cancelled – worth up to £75

It is a nightmare waking up to a whiteout on the day of your driving test but you have options.

You will automatically be sent a new date free of charge if the DVSA cancels your test because of the snow.

You can apply for a full refund of your fee if the new date does not work for you.

You cannot claim for out of pocket extras like booked lessons or time off work if the cancellation is due to bad weather.

You need to be careful about cancelling the test yourself because you will likely lose your fee if you give less than three full working days of notice.

It is a smart tactical move to wait for the DVSA to cancel the test first so you can save your cash.