Most insurance will have a minimum hours of delay for them to pay you anything. If 2-3 hours usually its nothing.
Luggage bag - of course only if you repair it. You want them to buy you a new luggage ah lol.
Most of these you will need to submit receipts. Keep all your receipts and proof of what you have paid in the past.
When my items got stolen during my travels and I claimed insurance, I submitted receipts of my camera, handphones, etc. together with the police report. They will calculate depreciation on the items and there's also a max payment for each item usually. Like my camera was depreciated 60%, depreciation will depend on how old your item is also.

When I claimed for luggage delay (more than 24 hours), I submitted receipts that I bought personal and essential items to survive the 24 hours. Yes, they will reimburse as long as you have receipt. So far AXA reimburse me even when I bought normal size bottle of body bath, shampoo, make up remover, various type of clothes (definitely can last for few days), etc.

Then again, AXA don't wanna renew my insurance anymore after I had a few travel incidents and claimed from them.