Be carefull with Insurance Co. Their perspective is different. Check with them before installing it yourself. Ask them what proof do they need to verify the installation? I suspect they will ask for receipts/paperwork, and not actually looking at the bike.
There are actually two questions here. 1. What is best to satisfy your Ins Co? 2. What is best to protect the bike?
To answer #2 - it's hard to beat Scorpio. However, alarm alone is not much. Add a full size cover, and use good quality chain to lock the bike to a solid object - that's a much better combination.
Why? Most bikes are stolen by being thrown into the van. Takes all of 20 - 30 sec to do that. However, before they take the bike, they have to know what bike is there (hint: they have to lift the cover), and before they can lift the cover, the perimeter sensor alarm might spook them. Also, seeing the chain makes it even less desirable.
Also, Dowco makes covers with simple alarms in them (like a pin being pulled out when you take the cover off) - called Guardian I think. That also helps: the cover is pulled the alarms sounds, and can't be stopped.
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Igor
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