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I owned a wash and reach window cleaning van and integral system which I rented to my nephew (with a contract) The contact stated that he was responsible for the insurance (fully comp) of the van and system amongst the normal rental conditions. It was then subject to arson and written off. The insurance was through a broker who was aware that although my nephew was the Registered keeper I was the Owner, the insurance companies paid the claim monies direct to my nephew (not through the broker) even though the invoice for the van and system had my details as the purchaser - my nephew recieved 22K, he did not tell me and spent 11K on a second hand van and system and then said he had spent the remaining 11K. Has he commited fraud as he knowingly spent the insurance monies that should have come to me as the owner