Doesn’t the ‘crystal face’ bolt on over the original plain black grill? If it does then I don’t think it would be classed as the ‘grill’ but rather as an added cosmetic accessory.
I’m only guessing, so you may well be right Phaedra. This uncertainty demonstrates why Motability has to be more forthcoming with liability cover information, as manufacturers are now hiding more ‘key features’ in expensive add on option packs.