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Last year a lot of insurance companies were charging more if winter wheels were fitted, as they counted them as a modification. There was a big hooha about it. This year, most seem to have accepted that they are not a modification, as long as you use the manufacturers recommended size. You should still inform them however. That's all according to the article I read.
FLOL .. charging more to potentially save an expensive crash ?
Brilliant.
Why would you even tell your insurance company that ?! Not many cars have the same brand/model tyre put on time and time again to match the factory specs. No one tells them about that do they ?!