A. Why did you have loads of stuff on holiday with you that you didnt want or need, that conveniently then got stolen
B. Have you comitted insurance fraud 
C. Are committing a further offence by looking to launder the money through a friends account 
All questions are understandable but each have a legit answer, if you still assume the worst of me then each to there own.
Answers are as follows:
a) I had mine and my wifes I-phones and a side bag in the claim, this totalled £1060. The phone didn't need to be replaced as I was due a free upgrade so if I went out and bought 2 new iphones and then upgraded I would've been left with 4 phones between 2 people which i don't need.
b) What gave you that idea? Just because I don;t want to buy replacements for the lost items, it automatically gives you the right to assume have broken the law, says alot about your own mentality and the way your brain works, god knows what you get upto.
c) This wouldn't be money laundering as the claim is totally legit. f I was paid by cheque and bought some alloys of you and didn;t replace my lost phones, would that be an offence? If I had to buy replacements the insurance company would've just sent me replacements as that would work out cheaper for them.
Anything else?