I once went to insure an LR Disco with Direct Line:
'Oh, you will need to have an alarm fitted'
'It has one it is a standard factory fit and part of the equipment fitted as standard to the model'
'In which case we will need to come and inspect it for £40'
'No you will not I will take my business elsewhere'
The next company had no problem with the alarm and did not want me to have another fitted or inspect the one fitted.
I will now never ever approach them for insurance.