If you like complicated then book with trainline. The whole service is corrupt. Customers are expected to cover the cost of rescheduling tickets, even when they have booked insurance. There are so many loopholes they are clearly exploiting to sell you insurance. I booked a ticket with trainline and bought travel insurance. The train got cancelled and I was told I could travel on the next available train. This would not have got me to my destination in time, so I would have to book an earlier service. The earlier service cost an additional amount which trainline refused to pay because it was "out of their control and I would have to go through their insurance provider". When I went through the insurance provider, they refused to pay the claim because the cancellation did not leave me stranded because the ticket was not for a couple of days. I went back to trainline with this and their response was that I would have to contact the train company who cancelled (i.e Avanti west coast). Guess what, they wouldn't refund me because I booked through trainline and not them. Avoid this service and their terrible customer facing team like the plague