Personally I think you have greater flexibility on a BA Holiday. You have the 24 hour duty office who have the ability to pretty.much do anything within reason. I’ve had flight cancelled due to hurricane, was given option to stay 3 days longer at no charge and fly direct.. (I’d imagine a claim for original routing wouldn’t be a problem as that would be a BA issue), I said I needed to get back to work so was rerouted via another gateway with a contingency in between.

The hotel closure was a bit different., BA is an agent and has a budget that it pays a supplier for. In my case it was heavily discounted in a sale. The hotel closed unexpectedly for renovations and I had the ‘budget’ to book another hotel at whatever rates a week before or get a full refund. In the end it worked out but it wasn’t the best. I imagine if you’ve got a Hokiday Inn booked and they need to swap it for. Mattiott or Hilton that would be done without issue.

As an added bonus with BA Holidays you get bonus Avios based on total spend, the ability to pay deposit and balance before and mileage based Avios instead of spend based Avios.