Many months ago I lost my phone. It was insurred and I got it replaced. Earlier today I thought I found the old phone (it was actually a previous model of the same make of phone). For a brief few seconds I thought I had found the lost phone and I didn't really know what to do. Send it to the company that insurred it? Sell It? Bury it in the garden and pretend I didn't find it?
This brings me to a larger question; in general what is expected of me as a customer of insurance if I lose something and then find it months later?