The speed rating letter on your tyre is not a suggestion about how fast to drive, it is a statement about how much heat the casing can shed at sustained speed. A V rated tyre is built to run continuously at speeds a T rated one is not, and the difference shows up in construction rather than tread. That matters because you may legally fit a lower rated tyre than the car was specified with in some circumstances, and doing so quietly changes what the tyre can cope with on a long run.
Around Luton that is not academic. The A6 feeds straight into the M1 and a great many local journeys become sustained motorway running within minutes. A tyre that is fine on Dunstable Road can be working outside its comfortable range half an hour later. When we fit, we check the rating on the placard against what is going on the car and mention any mismatch rather than assuming somebody made that choice deliberately. Budget through to premium, correctly rated, balanced at the address and the old tyres taken away.
You choose the tyre and you choose the time; everything after that is our problem. The van carries the stock, the fitting gear and the balancer, so the work happens wherever the car is already sitting, whether that is a driveway in High Town, a side street in Leagrave or the corner of a car park at work. Every street in Farley Hill, every close in Bury Park, every junction on the A6. The wheel comes off in Stopsley, not on a ramp in Harpenden. Stock for High Town, stock for Round Green, stock for anything on the M1.

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Luton's road network turns local trips into motorway miles quickly, with the A6 running through the middle and the M1 close at hand, so tyres here spend real time at sustained speed. That makes the rating letter worth checking rather than glossing over. Fitting at the address lets us compare what is on the car with what the manufacturer asked for before anything is ordered.
A vehicle in Stopsley doing daily M1 miles had been fitted with a lower speed rating than specified. Perfectly fine round town and not what the car was designed to carry at speed.
A car near Round Green had two different ratings on the same axle. It is legal in some cases and it means the two sides have different construction, which is worth knowing.
A driver near Leagrave went back to the specified rating and noticed the steering felt more settled at speed, which is what the stiffer construction does.
It is the maximum sustained speed the tyre is constructed to handle, and it reflects how the casing manages heat. H, V and W are common on modern cars, with the higher letters built for sustained high speed running.
In some circumstances legally, yes, but it changes what the tyre is built to cope with and may affect insurance. It is a decision worth making knowingly rather than by accident.
Usually slightly firmer, because the construction is stiffer. Going a step above the requirement is not a problem. Going below it is the one to avoid.
Yes, against the placard in the door shut and the handbook figure, and we will tell you if what is currently fitted does not match.
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