Originally Posted by NISFAN
Nope, many insurance companies have a new replacement policy so you get exactly the same spec from your order.
Once the car becomes 'used' it get valued at book value so options mean jack.
That's the reason you need GAP.
Really? So you could have a BMW with easily £10K worth of options if you went mad on the options list, then in the second year they would only give you base price if you wrote it off? That is scandalous! But then who says insurance comp do anybody any favours.
I think it must depend on who you are insured with. Mine are happy to take down what options I have. Surely they wouldn't bother if there was no point?