To be honest if you run a 215 over a 225 you wont have an issue with your insurance as its not a silly stretch.
It's nothing to do with stretch...
It's how the Insurance Company perceive the original spec of the car being changed - or downgraded, with potential safety concerns.
Fitting narrower tyres than the car was designed for will potentially reduce grip, increasing the possibility of an accident.
You and I both know it's unlikely to matter in the real world...but in an assessors view, in an attenpt to get out of paying a claim, who knows.
An example:
If you run a Porsche and don't have the correct 'N' rated tyres fitted (N rating is Porsche specific approval for the chassis) your insurance CAN be invalid in the case of an accident - that's even the same size tyre as standard, just not N rated...because you have reduced the standard approved specification.
There are only 5 makers that meet N rating...of course you can fit Toyos or anything else you want...but cross your fingers if you have an accident.
No thanks...
So fitting 215s to a car sold on 225s could land you in hot water.
Personally, I'd want it in writing before doing it.