It has been haunting me a bit since something reminded me. This is a WIBU, as in Was I...!
Years ago I bought a rug from a catalogue. It wasn't that dear - about £55 - but was to me at the time. I took out insurance which cost about 30 quid.
I then decided I was being silly, and cancelled the insurance - very soon after buying it and well within the allotted time. They didn't seem to write to say they'd cancelled it so I rang them and was told they would do it/had done it. I used to check my statements on and off in those days and kept having to ring them as it didn't get refunded. In the end I just assumed they had done it as I had made such a fuss and they kept telling me it was done.
Fast forward a few years, I was still nursing a niggling doubt that it was ever cancelled, and said rug had had various things spilt on it though not rendering it unuseable...however it did have some moth damage and I was going to have to fling it.
Hunting through old papers I found the original certificate of insurance. I checked what it said and it was only for spills, not moth or anything else. I rang them up and found it was still active! They never did cancel it.
So I decided to call it in, and ended up lying about having spilt tea on it - well, it was a vague lie, as of course I had spilt tea on it several times, but I said it as if it was recent.
The claim went through and I was allowed to choose another rug from the current catalogue. I was really nervous that they would send someone out to check I was telling the truth.
Now I have a really uncomfortable feeling about what I did, and want someone to tell me it was innocuous enough not to feel guilty about! However I think my own personal karma has suffered slightly.
What should I have done?