It does bug me when people I know will 'claim' a new TV or camera for Christmas, on their household insurance, just because they can and not because anything has happened to the old ones. That sort of fraudulant claim just pushes the insurance bill up for everyone.
Are you aware of:
https://www.insurancefraudbureau.org/report/
Someone i know once poured a can of paint over a worn out sofa and claimed for a new one. If he ever does the same again, he may get a surprise!