Look at your sidewall, find the size, and read the two characters on the end of it. In 205/55 R16 91V, the 91 is the load index and the V is the speed rating, and neither is decoration. The manufacturer picked them for the weight this car carries and the speed it can reach. Fit something rated lower because it was the only thing available in a hurry and you have quietly modified the car, which is not a conversation anybody wants to have with an insurer after a claim.
It is a handling question as well as a paperwork one. A lower speed rating usually comes with a softer casing, so the front feels vague and the steering goes woolly under load, and a load index below specification runs hot on a heavier SUV or 4x4. Above the original rating is fine. Below it is not. So when a tyre is beyond saving and you need the car tonight, the size on the wall is the beginning of the answer rather than all of it, and the rating gets matched before anything goes near the wheel.
Failing an MOT on a tyre is an expensive way to find out, and it usually happens on the day you needed the car. We bring the correct size to wherever the car is, in Stoke Newington or at the test centre car park and fit it there, balanced and pressure-set. Christmas Day in Stoke Newington, any day in Newington Green: the line is open. Ring at 3am from Clissold Park and someone answers; Stamford Hill at noon is no different. The N16 postcode and a street in Church Street: that is enough.

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Ringing round at eight in the evening in N16 usually means accepting whatever the nearest place happens to have in the rack. That is how cars end up on the wrong rating. Because the van turns up carrying a spread of sizes for cars, SUVs and 4x4s, the urgent option and the correct option are the same option, whether the car is near Newington Green or up towards Stamford Hill.
Fitted cheaply somewhere else, two ratings below what the car asked for, and the owner had no idea until it was read out to him off the wall. He had it swapped while we were there and the steering settled.
Pulled in hard against a high kerb and the tyre was done for. We matched the size, the load index and the rating out of stock and had the car back on four proper tyres inside the hour.
A heavy car loaded up every day, running a load index under the figure on its own plate. It runs hot and eats its shoulders. Putting that right during an urgent change settles the question for good.
Width, profile, rim diameter, then load index and speed rating. Photograph the whole lot when you ring and we arrive with a tyre that matches the car, not simply one that fits the wheel.
No, and we will not fit it. The rating is part of what the car was approved on. Save the money on the brand instead, which is a genuine choice between budget, mid range and premium, and keeps you inside the specification.
They do not, but the pair on one axle should match each other for size, rating and pattern. Mixing across an axle changes the grip balance from one side to the other, and that shows up when you brake in the wet.
Everything from budget through to premium, with the differences explained rather than sold at you. Wet braking and how long the tread lasts are where the money really goes, and for stop start driving that trade off looks different than it does for long motorway runs.
Card or contactless at the car, once the job is done and you have seen it. The price is agreed before we start, so the figure at the end is the one you were given on the phone.
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