Yes, you only get the (small) insurance discount if you have a maintenance contract which costs more than the discount, AND if you fail to set the alarm when you're out, your insurance is void.
However, if you have an alarm and don't request/get the discount/inform the insurer then you don't *have* to pay the maintenance contract, and if you fail to set the alarm, your insurance is still valid. Only problem? You don't get the (small) discount on your premiums.
D
Ditto the question regarding BS(whatever) for the final locks. If you have one that isn't, like a door to an insecure porch. outside your secure front door, then the insurance company have a reason to reduce your claim, which they will...
Far better to answer "NO" to all those questions, even if it allows some companies to decline the risk and others to add a pound or two for the "added risk".
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