Indeed
I'm just extremely wary of insurance companies finding the slightest excuse not to pay out.
We already know that they will refuse a payout on non "N" rated tyres for Porsches
With XL rated tyre, it's more than just the load in kilograms.
An XL tyre fitment as standard makes sense on a S3. With a low profile tyre, there isn't much of a sidewall. An XL tyre has reinforced sidewalls to cope with the additional lateral cornering dynamics, and enables the tyre to run at a higher inflation pressure to cope.
A non XL 88Y tyre, whilst having a lower static loading, hasn't got reinforced sidewalls!
Interestingly, a XL tyre inflated to the same pressure as a non XL tyre has a lower load capacity. A XL tyre must be inflated to, and run at a higher pressure than a non XL tyre to achieve the same load capacity. This explains why recent 8P's run at 42psi on the front.
At the end of the day, if a car/tyre hasn't been homologated by the manufacturer, the insurance company may seek to exploit this