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Why a special insurance for tuning parts is indispensable

Often does not cover standard motor vehicles
Preservation of the value of your investment
Protection against Theft & Vandalism
Individual Risk Assessment

Which tuning parts are covered by nextsure insurance?

The nextsure tuning parts insurance is designed to cover a wide range of modifications that enhance the value and individuality of your vehicle. Many common tuning parts, such as special rims, suspension optimizations, performance enhancements through chip tuning, sports exhaust systems, aerodynamic add-ons (spoilers, skirts, diffusers), as well as high-quality car hi-fi systems and custom interior designs, are insurable as standard. It is important that all modifications are professionally installed and, if necessary, TÜV-approved and recorded in the vehicle documents. To clarify the exact scope and ensure that your specific modifications are covered, we recommend a detailed specification of all parts when submitting your application. Our experts will then individually review which components can be insured in your policy to provide you with optimal protection for your tuning parts. In this way, you are comprehensively protected against financial losses due to damage, destruction, or theft of your valuable tuning parts.

The nextsure protection for your tuning parts

Wheels & Tires

Protection for high-quality rims and specialty tyres.

Chassis

Protection for sports and coilover suspensions.

Engine power

Insurance for chip tuning and engine modifications.

Sports exhaust

Coverage for sports exhaust systems and flap systems.

Body kits

Protection for spoilers, skirts, and body kits.

Foiling/Paint

Protection for vehicle wraps or special paint finishes.

Valuation Report

Consideration of value increases through appraisals.

Individual, digital, and reliable – protect what makes your vehicle unique.

Requirements for Completion: What You Need to Consider

To take out tuning parts insurance with nextsure, certain basic requirements must be met. Firstly, an existing car liability insurance for the base vehicle is essential. The tuning parts to be insured must be properly installed and, if legally required, approved by the TÜV and recorded in the vehicle documents. This not only ensures your safety but also serves as proof of the legal modification. A detailed list of all tuning parts, including purchase invoices or valuation reports, is of great importance for determining the correct insurance sum and in the event of a claim. Vehicles used exclusively for racing purposes are generally excluded from coverage. Our experts are happy to advise you on the specific requirements and assist you in gathering all necessary documents to ensure a smooth application process for your tuning parts insurance.

Claim: How to Properly Handle Your Tuning Parts Insurance

In the event of damage to your insured tuning parts, prompt and correct action is crucial for smooth settlement by nextsure. Report the damage immediately online through our customer portal or by phone on our claims hotline. Document the damage as thoroughly as possible with photos or videos and note down all relevant circumstances (time, place, occurrence). In case of theft or vandalism, prompt reporting to the police is necessary; we require the police file number for processing. Keep damaged parts until they can be inspected by an expert appointed by us, if possible. Submit all relevant documents such as purchase receipts for the tuning parts, certificates of registration, and, if applicable, repair cost estimates. Our goal is to process your claim quickly and uncomplicatedly.

Costs and contribution calculation of tuning parts insurance

The cost of a tuning parts insurance at nextsure is calculated individually and depends on various factors. The key factor is the total value of the tuning parts to be insured – the higher the value, the higher the premium tends to be. The type and extent of modifications also play a role. Vehicle type, the age of the vehicle, your annual mileage, and the deductible chosen in case of a claim are other important factors in the calculation. To provide you with a transparent and fair offer, nextsure uses a digital premium calculator. You can easily enter your individual data online and quickly receive a proposal for your tuning parts insurance. Our goal is to offer you tailored protection at a fair price.

Distinction from comprehensive insurance: Why additional insurance for tuning parts makes sense

Many vehicle owners assume that their comprehensive insurance automatically covers all retrofitted tuning parts. However, this is often a misconception. Standard comprehensive policies frequently cover accessories and special equipment only up to a certain maximum amount or not at all, especially if they were not installed at the factory. A specialised tuning parts insurance from nextsure precisely covers this gap. It is designed as a supplement to the existing car insurance and secures the actual value of your individual modifications. In the event of damage, the tuning parts insurance reimburses the costs for repair or replacement of the damaged or stolen parts that exceed the coverage of the comprehensive policy. This way, you avoid financial losses.

The Importance of Appraisals for Your Tuning Parts

An appraisal plays a crucial role in insuring high-value and extensive tuning modifications. While purchase invoices prove the new value of the parts, a professional appraisal documents the current market value of the modified overall vehicle or the specific tuning components. This is particularly important as the value of tuning parts can fluctuate. In the event of a claim, the appraisal serves as a well-founded basis for the compensation performance of your nextsure tuning parts insurance and prevents discussions about the value. We recommend, especially for extensive modifications, having an appraisal carried out by a recognized automotive expert and updating it regularly to avoid underinsurance.

International Validity: Are my tuning parts also insured abroad?

The nextsure tuning parts insurance generally provides coverage within the geographical boundaries of Europe as well as in non-European territories included in the European Union's jurisdiction. The exact scope of coverage is specified in your insurance terms and usually corresponds to that of the "Green Card" of your motor vehicle liability insurance. It is advisable to check the exact terms before embarking on a trip abroad. Please note that for certain countries or longer stays abroad, special agreements may need to be arranged. Early contact with our nextsure customer service ensures that you travel with optimal protection for your valuable tuning parts even beyond German borders.

Tips for Prevention: How to Protect Your Tuning Parts from Theft and Damage

In addition to having good insurance for your tuning parts, you can also take active steps to protect your valuable vehicle modifications. Install an alarm system and, if possible, a GPS tracking system. Special wheel locks make theft more difficult. Park your vehicle securely, ideally in a garage or in well-lit areas. Avoid leaving valuables visible in the car. Regular technical checks help to detect wear and tear early. Document your tuning parts with photos and keep invoices safe. These preventative measures reduce risk and complement the protection of your nextsure tuning parts insurance.

What exactly is covered under "tuning parts"?

As a digital insurance portal, nextsure places great importance on the simple and transparent management of your tuning parts insurance. Through our user-friendly online customer portal, you can access your contract data at any time, view documents, change personal details, or report claims easily. All communication can be conducted digitally, saving time and speeding up the process. Do you need an adjustment to your insurance coverage, for example, because new tuning parts have been added? This too can be conveniently initiated online. Our digital processes are designed to offer you maximum flexibility and control over your insurance policies.

Frequently Asked Questions

By tuning parts, we mean all components installed on or in the vehicle after purchase that serve to increase performance, alter appearance, or enhance comfort, and do not form part of the standard equipment. This includes, for example, special rims, suspension systems, spoilers, sports exhaust systems, chip tuning as well as high-end car hi-fi systems or bespoke interior designs. A detailed list of insurable parts is defined during the application process and forms the basis of your personalised coverage.

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