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Car Vinyl wrap - insurance

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Hello everyone!
Newbie here.
My LR M3 is coming on 22nd June and I ordered this on 4th January😅
I have a question on vinyl wrapping. So my car is being home delivered (didn’t fancy driving to London) and when it arrives, I plan to take it to be vinyl wrapped. Insurance companies are not letting me get insurance on a car that is being modified in Matt black. Seems madness as the car is already black. I’m just looking to make it more stealth looking.
Has anyone got a vinyl wrap and did you declare to insurance?
 
I once got told by an insurance firm that if the wrap/colour change was to a colour that you could have ordered the car as “from the catalogue” (not a super expensive bespoke colour option some manufacturers offer) then they didn’t need to know. But they all have their own rules.