Regarding how would an insurance assessor establish if the ECU had been re mapped.
How would you do it?
My expectation would be that they would plug in a tool such as pscan and find out. Alternatively send the ECU to a company such as K maps and ask them to interrogate it and establish if it was standard or not. At the point of purchasing insurance from a distance of course if it is not declared they will not know.

An insurance company has share holders. The assessor or in the case of an incident the loss adjuster or similar should be invited to investigate and see if his company is liable to pay out on the claim.
Is that risk of not declaring the modification worth it?
Why did you want the mod? Presumably to improve performance. Why do we seek more performance? At some point it has consequences for risk.
Greater risk equals higher premiums.

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