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You wanted an economical car, right ? You knew it had (by the virtue of good economy) limited performance, right ? And then you went aftermarket to try to up the performance.
If something goes wrong, after you have chipped your car, and if it can be detected by BMW, they will reject your warranty claim. That could include engine, turbo, intercoolers - even the gearbox, clutch, DMF, etc (after all, you are putting more BHP/torque in there). Or the exhaust. DPFs are horrendously expensive to replace.
If it is a lease car, then you will find yourself being liable for the repairs, the ongoing lease costs, all while you don't have a car to drive around in.
Then there is the insurance side. If you have a crash, and the chip is detected, then if you haven't told your insurance co. about it, then they would probably be justified in refusing any insurance claim.
The chip company will warrant their chip. However, that is very different to warranting that their chip will not damage any other part of your car. As far as I understand it, only 1 company will do that - but there is a huge price increase on the chip to allow for that. For the rest, the phrase 'cheap for a reason' comes to mind.
Basically, if you have a spare £5k or so, and can afford to pay for the repairs if needed, then go for a cheap chip option.
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