Replacing intruder alarm

Exactly!

One night a man with a white van wanted a nice quiet side street to park in so he could get a good night’s kip. Unfortunately, he parked right outside the Chief Inspector’s house. Said van man wasn’t there long…

Our alarm is for our benefit, not the insurance company's.

As you both have observed, tell them you've got one and life becomes complicated, and more than likely expensive, with having to follow their requirements to maintain cover. Annually maintained, set every time you leave the house as an absolute minimum.

We've never told them we have one and the neighbours around here (well, most of them!) look after each other.

Frank

Not unlike telling your insurer that your car has a dashcam. That seems to benefit the insurer far more than the customer.>