@Susan.
You misunderstood me.
At the time of ordering, the options you have selected are put into the Motability computer system. This includes the cost of options, and any AP payable when you collect the car.
The system then refreshes, and the salesman takes off a printout which you sign, as does he on behalf of Motability. This is your contract which you then sign and endorse when you input your PIN on collection day.
It would be inconceivable to believe that somehow these authorised factory fitted options would rhen somehow be exempt from the 3 year insurance policy.