Can you provide a link to the documentation which states NU's definition of fraud please?

No, because as far as I know this is not published on any external website, sorry.

I think this has gone on long enough now. Take a moment to read the thread from start to finish with a view that my comments are speaking about insurance claims in general terms. I would not and never have declined a claim due to a minor innocent misrepresentation.

It is clear to me that you have spent a lot of time researching and studying the information available on the internet. You might be interested to know that insurance companies will spend the time and money (even in low value claims) to prove if a claim is fraudulent.