As I'd specified about £5k worth of options I specifically checked with both my recent insurers (LV and Direct Line) about whether I had to declare these options. Both companies said that as long as the options were fitted at the factory I didn't need to list them.
However, I'd guess Polestar may be a special case.
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MY17 XC90 D5 Powerpulse Momentum: SENSUS, Osmium Grey, Blond, Walnut, Xenium, BLIS + CTA & RCM, Winter Plus, Fuel-fired Heater, Heated Rear Seats, Power Extensions, Tinted Windows
Coming soon: XC60 Ultimate Recharge MY24 or 25 or...
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