Please do not buy a three year Railcard ! I did , I bought a 3year one but now I need a disabled one and as I have 2yrs 4mths left ony senior , I asked for a change into disabled one . I was told no we don't do refunds or changes. I Chatted online and called I even emailed the CEO judy ford and the reply was from a customer service person saying the same thing tough luck! I explained I didn't want a refund just a change to disabled . I only ever bought yearly ones then last year I thought I would buy a three years . Do not make the same mistake as I have they have got £50 approx for free of me and how many other people have they done this to , I should of stuck to Railcard itself rather than some cheap company that takes money for nothing and no apologies for it just buy another one of us ! I wouldn't buy another ticket off them nor another Railcard .