I haven't been a fan of insurance companies after the time my bike was stolen. I informed the police and insurance companies immediately. then went for a walk around town, mainly in all the shithole estate areas Two hours later I had found my bike leant up behind someones house (A communal walkway going through the back of the whole street) nothing to do with the house it was at I assumed when a little old granny opened the door after I brayed on it They had tried the screwdriver trick on the ignition and when that didnt work it looks like they tried cutting and twisting together different wires to try and start it up. Lucky they didnt knack the ECU Anyway long story short I pushed it home (up hill!!) and rang police & insurance up to say I had found it, cancel claims etc. Fast forward to renewal and they had whacked premium up almost quadruple what it was before as I had made a claim. Didn't matter that nothing was paid out according to guy I spoke to, as soon as I rang them up to report it was stolen then that counts as a claim apparently whether they pay out or not