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Hi Terry,
I run two sets of tyres like you with the Coopers for off road use, the on road main set are the standard GY Wranglers which I will be replacing very soon
for 90% of the time I'm running the standard tyres which is why I was quizzing the Speed rating.
But to make everyone feel at ease please read this re Load & Speed ratings:
https://www.aulro.com/afvb/images/im...011/11/992.jpg
So any tyre with a rating of N or higher passes.
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I just checked with my insurer and they said their policy was vehicle modifications are covered including tyre size changes providing those changes and modifications are accepted by the relevant State body such as the RTA.
cheers,
Terry