The contact area between the wide tyres and narrow tyre will be the same. The wider tyres will have a shorter contact area while the narrow tyre will have a longer one. The only thing effecting contact area is vehicle weight and tyre pressure.
Insurance companies are very strict and often don't make any sense eg One company wanted to withhold my friends payout because he had a bodykit on the car, that wouldn't be a problem but the car came stock with a bodykit, it wasn't an option all cars came with the kit. They don't even both checking the specification of the cars they are insuring.
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COLORADO RED FIESTA ZETEC
MODS - Window Tint, Bmc Panel Filter, Euro Plates, Ghia grill, Momo F16 leather gearknob, Momo Leather gearboot, WQ Zetec Front sway bar, WQ Zetec Sway bar links, WQ Zetec bushes.
ICE - Alpine CDA9827, MbQuart Reference 6.5inch splits, MbQuart Reference rears, Rockford Fosgate Punch Stage 3 12inch Sub, Rockford Fosgate P4004 + P3001.
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