Hi and welcome to the forum Alex!
If u get a moment, it'd be kool if u were to introduce yourself to the members so that we know who you are and why you're here.
It also lets members of the public know also, that this is the right place to come with their problems, and it's not just for Proffesionals.
U can do that here:
Welcome Forum | New Members Say Hi Here
Anyway your question,
Sounds like u've been given common misleading info in the past.
If u are overboarding existing chipboard flooring, once you're convinced that it is sound and securely fixed (with no bounce!)
You can overboard with a product like Hardiebacker.
It's effectively a cement board that does not expand and contract with heat/cold and is water RESISTANT
not PROOF.
Timber as a sub floor will do all of the above, typically causing your floor to de-bond and fail.
So covering your existing floor with this or similar products will help combat that!
These products are glued with tile adhesive and mechanically fixed with screws also.
BUT it will
not help against deflection (bounce) the single biggest cause of failed flooring.
So make sure your sub floor is deflection free!