Originally Posted by
JimJam1975
I'll argue the compensation is recompense for BA failing to deliver there promised service and the resulting stress and inconvenience caused (significant). The subsequent additional cost incurred to arrange additional travel costs is completely separate. I'll take to ombudsman if necessary as nothing to lose,
Dont do that! While you may have had stress and inconvenience the EU261 compensation it isn't relevant.
The airline is required to pay for any additional costs that you might incur in addition to the compensation. Unfortunately you chose the refund which is rarely the best choice.
However it is unreasonable for the insurer to use a compensatory payments to limit its exposure to the risk any more than BA can offset the compensation against their responsibilities under Article 5 of UK 261
You need to separate the two issues completely, and avoid words like stress or inconvenience as they are simply not relevant. You may have experienced both, but had I been on the same flight I would not, as I would have been spending BAs money like a sailor in port; knowing they or my insurer would have been picking up the tab.
I have never been asked by Amex insurance for anything other than my receipts and documentary evidence of what BA refunded. Good luck with the ombudsman