Vehicle Insurance (TANSTAAFL Part 1)
🟡 Updated this year⚠️ Install Order · 6 steps
Install in this order, then this mod last — most mods fail to load without their framework and dependencies in place.
Preview

🔍 Analysis
- 👍 0.9% endorsement rate
- 🏆 #223 of 307 Gameplay mods in this game by downloads
📋 About This Mod
TANSTAAFL: Part 1
by r457 & gh057
“Oh, ‘ tanstaafl.’ Means ‘There ain't no such thing as a free lunch.’ And isn't,” I added, pointing to a FREE LUNCH sign across room, “or these drinks would cost half as much. Was reminding her that anything free costs twice as much in long run or turns out worthless.”
Robert A. Heinlein
“The Moon Is A Harsh Mistress”
Part 2 of the mod is here.
Part 3 of the mod is here.
Prerequisites:
-
[]redscript
[
]red4ext[]Codeware
[]Mod Settings
[]Browser Extension
[]Phone Extension
Installation:
-
[]Download the main archive
[
]Extract the archive into the Cyberpunk 2077 install folder - Installing Part 2 and Part 3 is highly recommended!
Description:
In Cyberpunk 2077 we’re supposed to live in a harsh future world ruled by ruthless corporations and corrupt administration knowing no other God but Money. For anything and everything - you pay. And if they could make you pay for the air you breathe - they would.
Our goal with this mod is to bring that harsh atmosphere into the game. Patch 2. 0 did good reworking many of the badly done systems (skills, cops, etc), but in our opinion it’s not enough.
TANSTAAFL consists of several parts that can be downloaded and used independently, but we do recommend installing them together for the full experience.
Part 1 of the mod introduces the Vehicle Insurance system into the game. We have tweaked the numbers taking into account other parts and added phone integration as well as a small surprise for all the careful drivers out there.
Part 2 brings in the Life Insurance system. Saving is no longer an option you’ve got everywhere and dying has its price now. If you’ve got an active subscription, you will be revived by Trauma Team medics upon your death. Our teams are generous and will still revive you even with subscription expired, but in that case the safety of your personal belongings is not guaranteed. New update overhauls the initial emergency beacons mechanic: you can now request an emergency biometric data backup from your phone, but it costs money and loading is not free either - when you restore from an emergency backup, it’s treated like a resurrection with all the corresponding costs and penalties applied.
Part 3 adds the damage system to cyberware. Each time you engage in combat and suffer damage or when you use your cyberdeck to upload hacks, you’ve got a chance to have your precious chrome damaged. The chance depends on how hard you’ve been hit (how costly was the hack you uploaded), how much armor you’ve got a
-
[]Download the main archive
Vehicle Insurance (TANSTAAFL Part 1) is a gameplay mod for Cyberpunk 2077 that introduces a vehicle insurance system, aiming to add harsh cyberpunk atmosphere. It has 367 endorsements and 39,989 downloads, last updated October 2025. The description is incomplete, so details are limited.
✨ Key Features
📊 Pros & Cons
✅ Pros
- Solid community traction with 367 endorsements and nearly 40k downloads.
- Actively maintained, last updated October 2025.
- Fills a niche for players wanting more economic depth and consequence.
⚠️ Cons
- Description is cut off, so exact mechanics are unclear.
- Only Part 1 – may feel incomplete until future parts release.
For Cyberpunk 2077 players who want more immersive economic systems and a harsher world. If you enjoy mods that add consequence and realism, this is worth a look. Skip if you prefer a more casual, arcade-style experience.
💡 Beginner Tips
- Check the mod's forum posts for any known conflicts with other economy mods.
- Since it's Part 1, keep an eye out for updates that expand the system.
- If you use a mod manager, let it handle installation to avoid manual file errors.
📊 Mod Details
- Game
- Cyberpunk 2077 Mods
- Author
- r457 and gh057
- Version
- 0.3
- Downloads
- 39,989
- Endorsements
- 367
- Category
- Gameplay
- Created
- 10/15/2023
- Updated
- 10/27/2025
🔧 How to Install Cyberpunk 2077 Mods
Download from Nexus.
📖 Full step-by-step install guide for Cyberpunk 2077 →
Visit the official mod page for specific installation instructions for this mod.
🎮 Need cheat codes or console commands? Check ur gaming wiki for Cyberpunk 2077 commands, item IDs, and more.
Keep browsing — more Cyberpunk 2077 mods await