<p style=”text-align: right;”>My spoiler was fully insured as it was replaced without issue after a rear end shunt.</p>
The only way adding options is going to make you lose out is if the car is a total loss you’ve lost the money you’ve paid.
That isn’t the same as not being fully insured. Insurance payouts don’t value options seperately and they make only minor differences to a cars value. In essence by adding options you are slightly improving the payout MB will get and that’s the risk you take.
In all circumstances I’ve never had insurers remotely question any option fitted to a car or treat them with a different level of cover.