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Old Jul 16, 2022 | 5:19 am
  #19  
corporate-wage-slave
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Originally Posted by Peter9
1. My girlfriend and I shared a checked luggage but it was in my name. We are both on the same booking. Are BA likely to pay out for her replacement items.
2. I pay separately to add the luggage at last minute. Am I entitled to a refund for the luggage fee as the services have not been provided for this?
3. Does it matter that my booking is one way and I will not be travelling with BA back?
4. Will holding status (Silver) increase their likelihood of paying out or to paying quicker here? Is it worth trying to contact them at all?
5. I have travel insurance which will pay out up to £400 for essential items replacement (there is an excess on the policy however) should I claim on the insurance and try and claim with BA in addition or should I try and get BA to pay out first and only use the insurance as a back up if they don’t pay?
Welcome to Flyertalk and welcome to the BA forum Peter9, I hope we will see more of you here.

1) The items being essential then I don't think it matters, BA should pay for both of you. However there is a maximum cap of about £1400 per passenger, and if only one of you paid for luggage then I suspect only one passenger would be in scope for this, if only one bag was checked.
2) Interesting question. Normally no, but it would be interesting to pursue that since you paid for something you didn't get. It may be BA will give some Avios for this.
3) One way make no difference
4) Silver may slightly speed up the process. No point calling, just fill in the online form.
5) Many insurance policies state that you have to pursue the airline first, and the airlines don't have an excess, but clearly it depend on your policy wording.

In terms of essential, I think in effect you have answered it. I often use the test "what would you do if you knew for certain that BA would not pay?". In this case, due to the wedding you had to buy a suit. So clearly it's essental. And by the looks of it you tried to keep the costs down too.
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