dont be daft, how the hell does the insurance ever know how u bought the car, for all they know the previous owner could have put the chrome on and u bought it like being non the wiser, its never going to get a refued pay out for a chrome surround from the manufacturer. i have a never ending list of mods, and i have declared them, but only main things like alloys,bumpers, side skirts, tints etc....they would probably just laugh tbh, i wouldnt worry, if in the seriously doubtful event hey did ask, u just say it was on there when i bought it. simples