Not so. I have an Ocean with DL and the written policy covers all factory fittings and my leather seats were also included. I think it all depends on not just who you speak with but also the underwriter. The person we dealt with was fully conversant with the Ocean but maybe not the
Insured with LV £220 a year includes travel to work also
Had a claim 4 years ago with LV daighters car stolen.....dealt with very quickly and paid for replacement new car )the stolen car was less than 1 year old
would strongly recomend
Cheers from the sunny algarve camping eith Cali.....so many onsite....mainly german predictably but a very good and social crowd