policy renewal due soon. March 2013, dumbo was stolen...reported to the police & insurance, even though i recovered the bike & paid for damages etc, 2 months later Hastings said that i wouldn't get my 4th year no claims & that i was lucky they were letting me keep my 3years NCB. November 2013 the other @ was stolen, again i recovered it & paid for all damages. Just wondering if they can refuse me another year NCB. 3 BIKES STOLEN & NEVER CLAIMED A PENNY...HOW CAN THEY SAY I'VE MADE A CLAIM?