Here in Spain, changing the colour of a vehicle is one of the few things that is allowed without a problem with Law Enforcement, DMV, etc.
In relation to the insurance, if the color has the same process (not special custom paint, air brush, etc), so that cost of repainting or replacing panels is the same, it's ok to change it as well
In this case, as these panels seem to be OEM, and their price is very similar (if not lower) than the original ones, I bet that is ok. Painting a damaged panel, given that matte paint is more expensive/delicate than regular paint, would be more expensive, but these panels are very affordable, being able to purchase them separately, so in my opinion, the insurance company would be happy
