I'll never forget that time my SNCF train was about one and a half hour late, which was extra annoying because it was planned to arrive just before midnight, and it was a long ride to I had been looking forward to bed. They have a tiered refund system, where delays or an hour or more qualify for a full refund. But this is SNCF. I took a picture of the clock at arrival. Next day, they reported the train to be 59 minutes late and I could claim my 50% refund.