I was wondering what happens when someone loses their photocard and ticket. Would it be replaced by the TOC or would a new ticket have to be bought
Some TOC will allow one or two free replacements during the currency of an annual ticket. FCC are one such, I believe.
It's in the NRCOC, albeit with discretionary phrasing. I thought all TOCs did this- certainly FGW do. Are there any which will not replace lost tickets?
What if one has a Season ticket and loses the photocard but not the ticket? (as unlikely as this is..)