Just a quick one here but has anybody actually ever had an insurance assessor come round to look at damage on a car?
I dont remember one ever checking what traction control system was fitted. 
Yes. And sometimes they do like to intogate ecu's ESP if safety systems fail or a personal injury claim
Yes they do, or yes you have seen one do it?
I can see them checking cars ECU's tho, but only like one in a 1000 cases or something.
The only ones I have ever dealt with knew very little about anything, in fact they are normally in such a rush they hardly even look at the car
I have seen them check. Maybe I was that 1 in a 1000. And there was no dispute who's fault it was, but I think they were expecting a possible whiplash claim.
Additionally, Mrs TB's brother used to be involved in the safety systems for a large
UK Indian car manufacturer, and he used to occasionally get involved post accident safety system deployments/failures, and generally undeclared modifications to those systems only goes 1 way in a court of law...