A disklok is also nothing more than the mildest of inconvenience to the determined thief and is only a minor deterent to low end opportunists.
I'm not saying I want my car stolen.... If I caught someone in the act I'd break their fingers with my estwing but if it did go missing it wouldn't break my heart... I'd look forward to the insurance payout and go car hunting again .... Writing of my own car cost me 20 quid a month increased premium so I imagine the increase it made to all your premiums was negligible