Dearest People, I need some advice on how to handle a particular issue, it's a little left of the norm, so please bare with my ramblings, I promise there is an enquiry there somewhere? About a year ago I was burgled, much stuff costing mucho plenty was taken. Police and Soco attended, they gave crime number and shrugged there shoulders as they invariably do and put it down to kids and drugs. After evidencing ownership and proving value, the claim was duly settled. No problem apart from the complete destruction and loss. I have recently separated from my ex and in the process of her clearing out, she found an item that has been paid out from the settlement. It's of low value, she genuinely believed it was gone, we searched high and low for it, we were honest and declared truthfully. My question, all be it a multi question, question? 1) Should I inform the insurance company at all and explain, possibly offer to hand back the item or money? 2) How should I inform the insurance company, email, phone, letter, letter from my Solicitor? 3) What is the likely action/reaction of the insurance company? Accusation of fraud - thank you very much, give me cash? I would imagine that most would say keep it quiet to Q1. However, I'm honest and I don't want the ex dropping me in it inadvertently/deliberately (quite possible). As Frank said, I'm going to do it my way, on my terms etc. Your opinions please, I have no idea where I stand and I obviously don't want to contact any company over this? I cannot find the answer to this question anywhere? Regards.