Windscreen Cover - Insurance

Greetings, I'm new to the EV scene and jumping straight in the deep end with a Seal Excellence. My mate bought one, came to show me, and i took it for drive. Instantly sold. Pick mine up Saturday 22nd. Doing my insurance quotes and noticed its in the region of £100 extra for windscreen cover. Assuming thats beacuse it includes the huge glass roof. Question to you all - how many of you have paid the extra for windscreen cover and how many are risking not having it. Apologies if this question has been asked already. I did do a search to see if there was already a thread but couldn't find one. Thanks in advance. Should have added I'm in the UK. Ta Nin