I think you are still obliged to report it to the insurance company, who may or may not stiff you next time . When my third party only kwaker was stolen i kept my no claims but was refused insurance when i went to buy a 250 yam scooter that was top of the most stolen list.
No, as it have you made any claims. This isn't a claim. Your insurance question is have you had any claims or losses..in the last 3 years. Ask for clarity and get it in writing.
I think you are still obliged to report it to the insurance company, who may or may not stiff you next time . When my third party only kwaker was stolen i kept my no claims but was refused insurance when i went to buy a 250 yam scooter that was top of the most stolen list.