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@Tea_Bee
+1 for prevention by using plenty of serious locks.
-1 for broom-handle crushing of chips. Don't think most bike-thieves will worry about that step. The one's I've heard of have been teenagers who borrowed their old man's bolt cutters or hacksaw and are seeing if they can nick something that looks shiny. And if it's professionals, don't expect to get your bike back anyway - it'll probably end up halfway across the country.
Insurance is a business, not a charity. So you'll always, on average, pay more in insurance than you claim back. And if you start claiming more, they'll just up yours (and everone's) premiums.
If it's a free service and I just have to drop a chip down the seat tube, I'll sign up to it.
Anyone know how they sense the chip? Is is a reader that has to be pressed up against the bike, or something that can measure them from further away?