You may lose the no-claims for this year but anything earned before the start of this policy should remain. Have a chat with an insurer that will cover you and see what they say about no-claims some of them can be surprisingly flexible. I use Carol Nash who for me have been very good, but then I am a mature rider with full no-claims. Essentially it is all about having a good look around and speaking with several insurers or brokers to find the best deal. I hope you find the cover you want.