My new bike at around 1500 was going to be between 80 and 100 quid a year. And using a silver or gold lock. I rang my home insurance through first direct who use aviva and it's now got full cover for 25 a year extra on my contents. I don't know if that's something you can do.
They don't care about the lock. But it must be locked to something.
Can't be left in car if visible.
Regards Paul.