The short answer: yes, chip tuning can affect your car insurance . As soon as you modify the engine power, your car will no longer meet the original factory specifications – and that can affect your policy, premium, and coverage.
Why does chip tuning matter to insurers?
Insurers calculate their premiums based on manufacturer specifications such as power, weight, and usage. When you chip a car, the power output and sometimes driving behavior also change. For the insurer, this means increased risk , which can lead to:
- Higher premium
- Adjustments to the coverage
- Loss of compensation if tuning is not reported
In the worst case, an insurer may decide not to pay out , especially if it turns out that the car has been tuned without notification or registration.
Are you obliged to report chip tuning?
Yes. In the Netherlands, you are legally required to technical changes that affect performance or safety uninsured or only partially insured in the event of damage .
Does this also apply to stage 1 chip tuning?
Yes, even a relatively mild stage 1 tuning changes the engine management software. This might seem harmless to you, but an insurer considers any adjustment that deviates from the factory settings a modification. Therefore, it's wise to always report this, no matter how minor the adjustment may seem.
Advice from JT-Products
At JT-Products, we don't perform chip tuning ourselves, but we do offer daily advice on components that support tuning, such as air intakes, cooling, and fuel systems. Our advice: don't be caught off guard . Always consult with your insurer before having your car tuned, so you know exactly what to expect.
Would you also like to know what chip tuning can safely do for your engine type, or which parts you need? Then contact our reliable chip tuning partner via WhatsApp.
