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.
You can get refused insurance for lots of things, I got a lot of issues with insurance being removed as I couldn't produce a valid CBT on the insurance on 400cc bike.
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.