All my insurance policies cover any factory options & anything fitted by the dealer when new.
Same for me with my current M3W which was delivered with dealer fit Stage 2 tuning, Ohlins, LED headlamps and a few other bits and pieces.
With my previous M3W I added these sort of upgrades throughout the 7 years I had the car and each time Gott & Wynn just noted the modifications on the policy and there was never any charge.
