This is quite clear to me.
I suppose it could, as per all insurance policies, be considered ambiguous but I’m happy that any factory fitted options are covered.
What’s covered by your policy
Repair or replacement of glass
In-car equipment (such as a radio or CD player) permanently fitted or supplied with
the car as standard
Any accessories or tools supplied with the car
https://www.motability.rsagroup.co.uk/pdf/whats-covered.pdf
? I will be remembered for nothing but had great fun doing it ?