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).