If it’s not an “always on” system (which it isn’t) that you deactivated via VCDS or removed/impeded the apparatus/sensors then you cannot be penalised by your insurance company for not using it e.g. you hit someone and they won’t pay for your cars repairs. They will pay out, but you’ll be hit with the usual price hikes and loss of NCD (unless it is protected) as expected for a fault claim.
Norbreck is right – if you have a manual, the system won’t brake the car to the point it is slower than idling speed for the gear it is in. That would stall the car and you’d lose your braking assistance as a result. Instead the car relies on a short and sharp step on the brakes to prompt the driver to start braking for themselves. The next step could well be future ability of the car to knock itself into neutral and bring a manual to a safe stop via the ADC
City emergency braking working to 15mph – It’s likely that at this low speed the ADC is authorised to bring the car to a stop even though stalling of the engine on a manual left in gear is inevitable (1st or 2nd gear stalling – no big deal, stalling would happen at a couple of mph in 1st gear or about 6mph in 2nd gear).
The “very close” gap for the ADC settings is still plenty for the average arsehole to nip in between you and the car in front, the price you pay for the car being assured it can stop you or slow you down with fair enough warning. The ADC doesn’t really detect the car in front until it is squarely in front of you. If a car is coming into your lane and then brakes before it is fully in, the ADC may not even see it to start braking for you. My dad noticed this happening a few times on his drive home with the GTD.
Although my dad didn’t experience it, others on the VWAudi forum have experienced false alert braking when a bus or truck is up with you in the other lane just ahead of you and gets detected as an ADC threat.