Sorry if my comments about VAG COM annoyed you, it is just that most people that call it VAG COM have bought a hookie old version of that. I was an early adopter (2001) of VAG-COM and so have traded that in for VCDS HEX USB and then needed to repeat that to VCDS HEX-V2 as our cars demanded that.
Any or all car alarms that are built into a car are designed to be available at all times, except for the odd time that you need to disable them, so I'd still suggest chatting to your insurer about this plan.
Very annoying that disabling it is hidden behind menus now though, a bit like traction control, but there again with traction control being tricky to find and disable forces you to learn to trust it in tight situations I suppose.