Insurance and switching off driver aids?

[Esceptico]

If your car (or bike) comes with electronic driver aids -
Traction control, stability control, switchable ABS (on bikes) and you turn them all off and then crash in a situation where the electronic aids could have saved you, is there a risk that the insurance company can argue that you contributed to your own accident and either refuse to pay or reduce the amount paid out? I've not heard of insurance companies taking that approach but seems a logical way forward (given that they look for any loophole to avoid paying out).

[LordHaveMurci]

If they are switchable then I can't see hiw they could, be different if you mapped something out or otherwise modified the vehicle.

[TwigtheWonderkid]

Esceptico said:

If your car (or bike) comes with electronic driver aids -
Traction control, stability control, switchable ABS (on bikes) and you turn them all off and then crash in a situation where the electronic aids could have saved you, is there a risk that the insurance company can argue that you contributed to your own accident and either refuse to pay or reduce the amount paid out? I've not heard of insurance companies taking that approach but seems a logical way forward (given that they look for any loophole to avoid paying out).

If it's in the contract that they won't pay if you switch off driver aids, then yes. If it's not, then no. As for contributing to your own accident, you do that every time you have a fault accident, driving to close to the car in front, too fast into the bend etc. That's what you insure against, your own negligence.

As for looking for any loophole to avoid paying out, it's actually very hard for an insurer to avoid a claim. Due to the regulations they work under. Anyone who has a claim refused invariable deserves it, because they've probably lied to their insurer to get cover or cheaper cover, at the expense of the rest of us.

[BertBert]

I'm sure there's a clause in my insurance contract that says 'we the weasily insurers will exert our best efforts to weasel out of every claim'

[TwigtheWonderkid]

I wonder what the ratio is of Insurers trying to diddle their customers v Customers trying to diddle their insurers.