Unfortunately ignorance is no excuse Martin - If you have informed your insurance company that car is unmodified then you are confirming to them that it is to standard specification.
Ok lets have this out, apply the common sense i mentioned.
1) I ask you then, What is standard spec?
Assuming you will say, as it left the factory, thats very ambiguous.
Have you ever owned a 2nd hand car? im sure you have. So, did you check, upon purchasing that the car was wearing the same spec tyres it did when it left the show room X amount of years ago? I'd bet you didnt, at least not every time you bought a car therefore how can you demonstrate to the insurer that your car is 'standard spec'? and how can they question it? Is this therefore hypocrisy? Do the insurers have a list of 'standard spec at build' tyre sizes for every make and model of car and bike and truck? I dont think so. If so, prove me wrong Im happy and modest enough to be put right. BUT....................
Think about it
You can buy a brera, 159, 3 series or whatever with a range of different wheel sizes and therefore tyre sizes.
So....What is standard spec?
2) How many cars are out there with different spec tyres to those they left the showroom with? id bet again, millions.
So, therefore is my 1974 VW camper illegal? it hasnt the same spec tyres as it had when it left the factory in Germany over 3 decades ago. My girlfriends 2003 Land Rover, different tyres again.
So how can you make such a sweeping statement based on very little sensibility and fact, and call me ignorant?
Just think about what your suggesting guys, that most used cars out there are illegal due to this point. Tyres need to be safe, yes, they need to be roadworthy, yes, sensibly sized, yes but not as original build spec. We have a thing called an MOT in this country, that is a very specific test to insure that the vehicle is safe to use. I dont recall failing any MOT on the 'wrong spec tyres'. Bald or torn tyres perhaps but because they werent what was originally fitted at build.
Does the same apply to brake pads? mine arent to original specifiction either, as arent milllions of peoples.
That is simply ridiculous.
I accept that insurers will try it on, they do that, in fact they will try anything to wriggle, as do so many suppliers to us consumers. Were they checking the size? sure they werent just checking the state of wear? I called mine out of interest, they have no issues, in fact seemed quite surprised I asked. They stated that the car had to have an MOT if of age and the tyres had to be roadworthy. They need only be notified if I modify the wheel size.
My guess would be that if the tyre fits the wheel properly (which 225's do BTW) and they are CE marked and legal in terms or wear there wont be a problem. What about tracking, alignment? where does this end?
If your insurer wont let you exercise your rights as a sensible buyer in a competitive tyre market then they shouldnt have your business. There lays the problem, your choice of insurer.
However that all said if your experience is one of having your tryes checked at renewal or after a claim then its your right to select the same tryes as build if you feel the need. As it is my right not to, and not be dammed for it by strangers. But dont tell others that it is fundamentally wrong, because it simply isnt.
Please let me know if I am completely wrong, or if I dont have a point and i will gladly change my tyres.