I spoke to my Insurer, Direct Line, today @KendoNagasaki ... the only policy wording they spoke about related to towing a wheeled trailer, but they did confirm that a bike rack accessory was fine to use on the car and did not count as a modification.
However, they did state that the bike rack needed to be used properly and in accordance with the guidelines from Tesla, and they said that they would not determine this (though I suspect they might want to get involved in this determination if it came to a claim!)
So things do seem to hinge on whether the quote you found from the Tesla manual about conflicts between the manual and the Certificate of Conformity / Hitch Plate applies.
Unfortunately not much clearer than before
However, they did state that the bike rack needed to be used properly and in accordance with the guidelines from Tesla, and they said that they would not determine this (though I suspect they might want to get involved in this determination if it came to a claim!)
So things do seem to hinge on whether the quote you found from the Tesla manual about conflicts between the manual and the Certificate of Conformity / Hitch Plate applies.
Unfortunately not much clearer than before