I have a simple alarm system that covers the internal ground floor area. Strange as it may seem i often do not activate it at night as i am a poor sleeper and often wander downstairs to watch tv. I have a fear that i will activate the alarm if i had it on. In the event of a claim could the insurance company refuse to pay as the alarm was not on. All i can recall re the Insurance was a question did i have an alarm. I cannot remember if it was pointed out that it must be on at night. During the day when i am out i do of course put it on.