check the wording of the policy carefully. As you are ‘handing over’ your bike to the carrier, there’s a bit of a grey area there. Some insurance policies will have exclusions such as leaving unattended. By handing it over to a carrier you may not be covered. The carrier will only pay out up to approx £1000 unless you have declared its value and pay a supplement.
From the BA webite, I think most carriers are the same.
‘Whilst we will make every attempt to ensure your baggage is handled with care, you should know that British Airways’ liability for loss, delay or damage to baggage is limited unless a higher value is declared in advance and additional charges paid.
The extent of airline liability is not based on the weight of the bag nor its value. British Airways does not accept liability for fragile, valuable, perishable articles or baggage which is packed in damaged or unsuitable containers.
Under the Conditions of Carriage we accept no liability for the loss of jewellery, other valuables and money contained in checked baggage. You are advised to keep valuables, important documents and money either on your person or in your hand baggage.
We strongly recommend that you obtain adequate travel insurance cover prior to your journey. Use the following links for further information:’