Insurance is still a probability game. They ask if you’ve made a claim because that’s a parameter in their equations. You made a claim because your car was stolen? Is your car more likely to be stolen than we realised last time? If yes, insurance goes up. If they determine it was unlikely to be stolen and those chances haven’t changed, then that part of their equations will remain unchanged.

It’ll still go up, because your car is newer and because insurance companies. But they shouldn’t shaft you over your claim.