No, I haven't explicitly asked for EC261 reimbursement. I just called the Gold line on the day to let them know the reboking didn't suit me and they said they'd process a refund but she didn't know how much it would be.
There was no other reason for me to be in STR but connecting.
I've read Article 8.
Article 8
Right to reimbursement or re-routing
1. Where reference is made to this Article, passengers shall be offered the choice between:
(a) - reimbursement within seven days, by the means provided for in Article 7(3), of the full cost of the ticket at the price at which it was bought, for the part or parts of the journey not made, and for the part or parts already made if the flight is no longer serving any purpose in relation to the passenger's original travel plan, together with, when relevant,
- a return flight to the first point of departure, at the earliest opportunity;
(b) re-routing, under comparable transport conditions, to their final destination at the earliest opportunity; or
(c) re-routing, under comparable transport conditions, to their final destination at a later date at the passenger's convenience, subject to availability of seats.
2. Paragraph 1(a) shall also apply to passengers whose flights form part of a package, except for the right to reimbursement where such right arises under Directive 90/314/EEC.
3. When, in the case where a town, city or region is served by several airports, an operating air carrier offers a passenger a flight to an airport alternative to that for which the booking was made, the operating air carrier shall bear the cost of transferring the passenger from that alternative airport either to that for which the booking was made, or to another close-by destination agreed with the passenger.
As some of you have mentioned, it sounds like I'm entitled to a full refund.
I need to make a claim for the overnight stay in the hotel. Would you suggest I write everything in one message to BA? I.e asking for the missing portion of the refund and the refund of the night in the hotel?
Would they cover for the train ticket which I independently booked? It sounds like they would not be required to according to EC261, if I'm reading it correctly.
Lastly, I have insurance with Amex. I can claim up to £300. In order to minimise the loss of money, would and insurance accept a claim only for the amount that I haven't been able to obtain from the airline?