The speed rating is the issue for me.
You can tell the insurance company what you like, but if its involved in an accident and the vehicle inspector sees them you could face loosing a lot of money.
each to his own...
Loz, each to his own, and stay the right side of the law; but are you sure about this?
My insurers are fine?
Lots of other insurers are fine?
Lots of off road tyres carry low(ish) speed ratings but are used on very powerful Landrovers/Rangerovers/Toyota Landcruisers etc etc.
Double cab pick ups are 200bhp+ now, and they are real off roaders, often running real off road tyres
Lots (most) of winter tyres don't have the full speed rating of the car.
Are you saying absolutely without a doubt in a country with a national max speed limit of 70mph, the law says the speed rating of the tyre needs to be in excess of the maximum theoretical speed of the vehicle?
I know that in some regards the maximum speed rating of the tyre, also takes account of the performance characteristics of the vehicle regarding acceleration; cornering etc etc
These kind of arguments just go on and on, and i wonder what the law actually says. Yes check with your Insurers absolutely, but honestly you could argue any modified vehicle breaks some rule or another whether real or imaginary.
Get the right tyres for your vehicle 100%