Reprogramming: what does the insurance say?

Have you opted for reprogramming your car? Find out what this means for your insurance below!

Reprogramming a car is a common practice, but not one to be taken lightly.

A reprogramming to be done according to the rules

But first of all, what is it? In fact, you should know that modern vehicles, built from the 2000s onwards, are equipped with a computer, an electronic device that controls and manages the various parameters of the engine. The manufacturer integrates a series of precise data into it, relating to the optimal operation of the vehicle. Engine reprogramming is a computer operation that aims to modify this data, often with the aim of increasing the engine’s power or reducing fuel consumption. This intervention is not trivial and must be carried out by a qualified professionalspecializing in engine mapping. Indeed, poorly executed reprogramming can cause malfunctions, alter the vehicle’s performance, or even damage the engine. But there are also other aspects to consider before embarking on this operation. Because the latter can also have a significant impact on your car insurance.

An important statement

In fact, companies rely on a set of criteria to assess the risk associated with each insured vehicle. Among these criteria, the power of the engine is a determining element that influences the amount of the insurance premium. Whenan engine is reprogrammedits actual power may differ from that indicated on the registration document. This modification must be communicated to your insurer, otherwise you risk exposing yourself to sometimes very unfortunate consequences. Thus, you could be refused compensation in the event of a claim, or even have your contract terminated. It is important to note that engine reprogramming should not be confused with other more visible modifications, such as tuning, which may involve changes to the exhaust, turbocharger, suspensions, or brakes. Even if reprogramming remains an internal and less visible operation, it is nonetheless a modification of the original characteristics of the vehicle.

And this therefore justifies a review of your insurance contract as soon as possible.