You are right about tyre companies setting safe limits, but as you point out if you don't declare you aren't insured as I stated, and generally speaking insurance companies are not massively keen on changes to OE spec. Technically speaking, if you even change tyre brand you should be telling your insurance, hence that whole mess regarding winter tyres increasing premiums a couple of years ago. If they were increasing your premiums for something widely considered safe (and something that is mandatory in some EU countries), how do you think they'd feel about a tyre change that was purely for looks sake?
These are insurance companies we're talking about - not something with logic or there to be reasoned with
I agree insurance companies are stupid.
However the bolded section is again something I've heard nothing about and has never, I think, been a problem in any claim situation (to-wit, you have Bridgestone RE070s and refused payout because OEM were Dunlop SP9000 (for example). And the amount of idiots who put budget tyres on to their high performance hatchback and crash, and get payouts, again goes to prove that.
Tyres are subjective. New technologies come along. Anything that is a suitable size and speed rating is completely fine and you don't need to tell your insurers. Otherwise you'd be running round on Uniroyal Crossplys. Which could be interesting.
I don't think anyone who is into their car modification puts an "odd" size tyre on (such as 215/35) for no reason. The main reason is clearance.
I think winter tyres are different due to the speed rating only being good to about 118mph or something around there. Which to me is kind of irrelevant in the snow and ice but hey-ho
The point is you don't declare TYRE SIZES. You declare
aftermarket wheels. The OP posted about non OEM Monzas. So I suspect he has got some non-geniune Monza wheels. Now
personally, speaking as someone who has gotten their car insured with all of their mods declared, on a specialist policy, if I bought some non OEM Monzas 18 inch wheels to replace some stock 17 inchers, I would not personally declare that.