Does a ticket to “London terminals” permit travel on the London Underground?

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Accepted answer

London Terminals is better defined as the first National Rail terminal you travel to rather then allow travel between terminii. The exceptions are the old Southern stations which are interconnected and the Moorgate line and definitly not London Underground.

The definition is on the National Rail website.

Tickets issued for travel to/from London usually show 'London Terminals' as the destination/origin rather than naming a specific station. This is because the ticket is valid to more than one London Terminal station provided it’s on any reasonable line of route. Tickets can only be used on National Rail services.

Basically if you can get to a London station in the list by National Rail except Thameslink then the ticket is valid.

A few stations can be passed through e.g. London Bridge on way to Cannon Street, Charing Cross, Waterloo, Blackfriars or City Thameslink

In your case I think you can get to all the SWT, Southern or South East (except the High Speed line to St Pancras) terminals if you go via Staines.

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