Insurance: what needs to be considered before chip tuning?

Before you sign up for one Chiptuning decide or have one implemented, you should contact your Insurance about any Consequences inform. This is relevant because you are on costly problems might encounter. The important question is whether the insurance premium increased will and whether the vehicle the weiterhin can be insured. Because tuning vehicles are not necessarily covered by every insurance policy. Basically, as a vehicle owner, you have one compulsory registration to your insurance service provider if you opt for chip tuning or any other type of performance increase. And a telephone agreement is usually sufficient not from. Instead, the message must be done in writing. Why? Because by tuning the objective danger characteristics change. Chip tuning is a popular method to increase engine performance and thus achieve more power and, as a result, better acceleration. True, insurance companies see here sometimes an increased risk, but usually a proper intervention in the software of the engine control unit does not cause problems with insurance coverage.

What consequences could occur without prior notice?

The possible consequences of a non-reporting can serious be. However, it is important to know that in case of doubt and especially in the event of damage, the insurance company Individual decision will meet. It is therefore recommended not to take risks and tuning not to hide. If you want the performance increase not be entered expires the operating license of the vehicle. Without these, vehicles may not be driven on public roads. In addition, in such cases, insurers usually reserve the right to extend their service package to terminate without notice. Without insurance, the risk is extremely high. Because if you are caught driving without insurance cover, you can in the event of an accident liable for damages will. And even if the insurance automatically covers damage to innocent third parties, you may later have to bear some of the costs yourself, as they are subject to recourse. Depending on the type of liability or comprehensive insurance, you might even be responsible for that total repair costs of the opponent are made responsible. Prerequisite for a partial or complete assumption of costs by the policyholder, however, a proven "complicity“ the increase in performance at the accident.

Will my insurance premium increase as a result of the notification?

In principle, one can regret the possible additional costs no general prognosis To give. The insurance for your vehicle is not a fixed rate, instead it depends on various factors, which are always flexible. The insurance database contains the vehicles of all manufacturers (regardless of whether it is a daily driver or a collector's and collector's item), but the sum insured also depends on how many damages and registrations the specific type has already caused.

The possibility of additional costs in the form of a risk premium!

Engine tuning ultimately often means too a higher risk of accidents in the eyes of insurance, as top speed, acceleration and performance are increased. If your insurance company agrees to continue to insure your vehicle with engine tuning, this also means that the tuned parts are also insured.

Cars with tuning also need a correspondingly good car insurance that covers everything important. No later than 30.11. you can usually change your car insurance and save with the right insurance tariff.

Important: You should report your tuning chip not only because of the insurance cover. There is also one on the part of the legislature compulsory registration, among other things, to calculate the vehicle tax accordingly. This is basically done based on the respective emission class, although this does not necessarily have to be increased by any engine tuning. As a rule, the emission class is changed by installing a modified control unit not instead.

Are you planning to buy a new car and are you therefore looking for financing? Or should the modified baby and its attachments simply have the best possible insurance? Then ours Credit, financing, leasing, insurance & Co. categories exactly the right place to go for information. And also cheap financing for Accessory parts is there. Is the new one forged wheel, the planned Airride air suspension or the one you want foiling too expensive? Then a little one might help Financing in the process of implementing the modification on the vehicle. And also the topic Leasing or the vehicle sales are not neglected here. Just click through the posts and get the answer to your questions.

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