Why would an insurance company care about the remaining lifetime of your engine?or reduced economy?
The off the shelf tunes are really only effective on turbocharged engines and are rooted in overboosting - that's a very cheap way to increase performance and it has longevity, emmissions and economy impact. It may if may not be significant but it is there. Manufacturers would be utterly foolish to experument like that in mass market cars.
Why would an insurance company care if you change the colour of your vehicle? They (t least, in England) do, and this is for a pure colour change, not for "colour change after an accident" or "colour change after vandalism" or "colour change to a colour that is riskier for accidents".
Point, but I suspect it's the same reason even so - they've found a measurable correlation between people changing their car colour and accident rates.
