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Anything over a £100 is protected by the Consumer Credit Act whereby, your contract is both with the seller and credit card company. Any problems you get your money back from the credit card company.
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Correct however make sure you use a card that you have taken out and not a card on someone elses account such as a husabnd, partner etc card companies have been backing out of this by saying it will only cover purchases made by the original card applicant.