• Unfortunately it's a no-claim bonus, not a no-blame bonus (if you have one, not that likely with household or cycle insurance). Telling them it's because of a criminal act and not your fault might stop them loading the premium because of the claim, but sadly insurers believe that if you've made one claim, you're more likely to make another, so they charge more ...

    Broadly agree with this - most of the mass market Insurers would load a premium due to claims history

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