One simple service that would have made a difference to me:#

Once when my wife's bag didn't arrive at FRA at 09:30, we travelled on by train to Munich and called our insurance company. They said they'd cover up to £100 for emergency underwear, hat & gloves (it was winter) etc without excess, if the bag was delayed by more than 24 hrs.

We were out all the next day on a bus tour but when we returned the hotel staff advised us that our bags were delivered at 19:30. (So a good 34 hrs after flight arrival)

However, when we got home and attempted to make our claim, the insurance company refused to pay unless we provided proof of the 24 hr delay.

The airline's records showed that the bag was delivered to MUC at 07:30 the next day, but not when it was delivered to the hotel. So we contacted the hotel, who said they had no record of when it was delivered or who took the delivery, so would not send an email confirming that it was 19:30. So our claim was rejected.

Perhaps we were naive, but a simple bit of record-keeping by the hotel would have made all the difference to our claim.