Originally Posted by mabramovich

How so? You're not booking the room on the third party site. You're just comparing it to the IHG rate.

If they decide to deny your claim, you cancel your refundable room on IHG.

Basically, find (but don't book) a cheaper room than IHG somewhere else (othersite.com). Then book a refundable room on IHG for the rate higher than othersite. Now phone up BRG. If they weasel out of the claim, cancel your refundable rate. If they want to accept the claim but won't because there was an AP rate on IHG, switch to the AP rate while on the phone (which is hopefully and likely still higher than the rate at othersite.com, whether or not the rate was refundable or not).