P38 Tyre Load rating

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Ah OK see what you mean, I was wondering what the minimum tyre rating would be but I think ive sorted it based on 3000kg weight divided by 4 is 750kg so tyre load rate must be above 98ish. I am after fitting some tyres more suited to offroad and wanted to make sure that the load rate was right. Ive also heard that fitting incorrect tyres can obviate? your insurance.
 
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