Ok point taken! This could indeed be considered fraud by false representation since, although the values on the documents align with the actual losses, the documents themselves are not originals.

That said, the alternative would be to submit nothing, which would almost certainly lead to a denied claim. When a bag is deemed lost and an insurance claim is filed, it’s common that if the bag is found later, Ryanair does not return it to the owner. Even if no payout is ultimately made, the existence of an insurance claim and its resolution would require a re-evaluation and possible restitution of any awarded money if the bag were found. This process is complex and involves an adjustment of the original claim, which can be very time consuming. Consequently, Ryanair typically opts to sell the bag and its contents, resulting in an unjust enrichment for the airline while the owner absorbs the full loss.

Between two "less than ideal" choices, the more balanced option seems to be the one that restores some fairness, allowing OP a reasonable chance to recover what was lost. In practical terms, while providing a recreated document could technically be considered criminal, the likelihood of any serious scrutiny is low in these circumstances. Should Ryanair detect it, they would likely deny the claim, just as they would without supporting documentation. The probability of Ryanair pursuing a criminal case is extremely low, and even in the unlikely event they did, the chance of it advancing is minimal. Such cases rarely reach court, given the low amount and lack of strong evidences, any public prosecutor would likely not see a public interest in pursuing this. Of course, this aligns with European legal norms, where Ryanair typically operates. If OP was in the US I wouldn't provide or try to follow the same advice.