didn't work out this way for me when my bike got nicked woke up to find bike gone, contacted police and insurance company. Found bike within about 3 hours after an immense trawl through the scum areas. rang up and cancelled claim informed police etc. When it came time for renewal they had knocked off my no claims as I had in their words 'made a claim' didn't matter in the slightest that they hadn't paid anything out, their stance on the matter was I had reported the bike to them as stolen so that is classed as a claim that was with Bennets, currently with Swinton who assured me that wouldn't happen with them!!