how hard is it to change or is it a case of new panels wanting to change it so if i get a stone chip it does not see black if u now what i mean

You can't is the short answer

Maybe get it vinyl wrapped if it becomes a problem....or even in anticipation of a problem. Some of the wraps are amazing quality, the CF ones I've seen are almost indistinguishable from the real thing

[Edited on 28/9/10 by eznfrank]

You can actually get the gel coat to repair chips put it on, let it harden rub down/polish job done. Ask the manufacturer of your panels if they can supply you some.