Well when I got my T, I got insurance with NRMA. I asked about if I get a mod in the future and they said something along the lines of Chips are generally allowed. Dunno if they were blowing smoke though.. Krash I am currently insured with NRMA , max NCB 38yrs old. As I will be fitting more mods in the very near future, I made an enquiry re. performance chips. This was referred to their resolutions dept. The answer was a categoric , " NRMA will not insure performance chips on Turbo'd vehicles" sorry and all that maybe you should try somewhere else. Any chips detected will automatically void any insurance claim. That said, cold air, zorts and filters are OK. Well there ya go , nothing like consistency