Thanks useful information: 
If you think the police are going to leap in a car and give chase you clearly don't live in Perth. If you're going to go all Bodie and Doyle on them yourself I suggest you take some large friends.
But if a decrease in premium will cover it, what have you got to lose.
As you say, stealing the keys is the preferred method. Thieves often sneak into an occupied house to do this, and like nothing better than a key rack by the front door.
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