Kernow Lady is wrong, as you pointed out. A no claims bonus on home insurance policies was introduced a few years ago and almost all standard insurers offer a no claims bonus.
She is also wrong about the definition of "break in cover". It means exactly what it says - have you had a break in cover?
Having worked i in the insurance sector for well over 20 years, including around 13 years with a major insurer, I can assure you that insurance companies can, and do, check details. Not every policy gets checked, and often a check won't be carried out until a claim is made - but they do have several ways of checking. If you lie then you cannot complain when you have a claim rejected.
The only way to find out who will offer a good deal after a long break in cover is to ring round. Go on the comparison sites and see who offers competitive premiums - then ring those companies and see what they can offer you.
Try AQuote - they may be able to help.
Working in insurance sector for over 20 years.