Yes, so long as the load rating is correct and the size is a factory fitted size, the tyres are legal. Speed ratings are a grey area, in a rudimentary sense so long as they meet or exceed the claimed top speed of the vehicle they are in no way unsuitable, thus are fully legal, thus are no issue. However you may use a lower speed rating so long as you do not exceed that speed, which, in the uk is illegal anyway even for a P rated remould!
There was a big hoo-haa back in the winter of 2010 when we got hit by big snow, with some insurers trying to claim unsuitability of lower speed ratings, the governing body had to step-in and make it clear that these tyres comply with uk law, thus must be premitted, but if the speed rating is lower than the vehicle capability that the insurer must be informed as that constitutes a modification.
So, if size/load/speed rating are correct for the vehicle, it does not make a jot of difference. If the speed rating is lower than the cars top speed, then the insurer needs to log the 'modification". I believe this second instance is where the broker and possibly some of the underwriters are getting their smocks in a raffle, since they are desk workers with no specialist knowledge.
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