I don't know the legalities of it but have a couple of comments.
If a certain tyre spec is in the handbook, ie V/W rated tyres, would the car be in contravention of C&U on a lower specification.
Insurance, i'd be inclined to run it past my insurer if the rating is lower than handbook spec, if they are happy with it then why not, they might insist on a max speed sticker being applied in a prominent place, its not a question i've ver asked an insurer.
Generally, i believe it isn't just speed rating as such, its the strength of the tyre to run at high speeds at full load without any risk of failure, in practice if i was to fit a lower speed rating tyre i'd want to up the load rating to compensate though that is purely my opinion.
If anything i go a rating higher than required when such a tyre is available for a similar price.
I suspect the question is regarding AT tyres for your beasty RT, i'd be inclined to ask your insurer but i think they will OK it, its a dickens of a job to find AT or MT tyres with an H rating let alone W, if you could find them they'll probably be twice the price of anything H or T rated and doubtless some unheard of make.
Edited by gordonbennet on 03/12/2016 at 22:49
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