Motability’s answer: Morning Mark, No such thing as a silly question! I actually think it’s a really good question! Any optional extras that are offered and fitted by the manufacturer will still be covered by our insurance with Direct Line Motability. If you have any other insurance queries or want further information about our insurance, please don’t hesitate to contact Direct Line Motability on 0300 037 3737 who will be more than happy to help. They’re open Mon-Fri 8-7pm and Sat 8-4pm. Take care and enjoy your new vehicle when you get it! Ricky So, from the proverbial horses mouth, if it’s a factory fitted option, it’s covered.
Would probably be worth asking DL. They might have a different definition of ‘covered’