It’s in the T&Cs of most airlines that they will only pay out something like £250 max for a lost bag. I was surprised, I can’t imagine how they get away with it tbh. If they break your shit, they should pay.
However, I have other insurance that covers it, as should everyone who travels.
First time I flew I followed the airline instructions and used their own provided cardboard box as I couldn’t afford a bag at the time. The box got shredded, and I saw from the plane the baggage handlers dragging it around rather than carrying it.
The nice Aussie border patrol people even gave it a free wash for me
When I travelled during F&M my bike had some light dirt on it, and they *detailed* it for me. It was never so clean before or since.