Winter wheel friendly insurers?

Hi all,

I've had no joy with Aviva when enquiring about using non factory fit wheels for winter tyres - http://www.briskoda.net/forums/topic/178463-winter-tyre-friendly-insurance-companies/page__st__30#entry2983334

A lot of people seem to use a spare set of wheels, not necessarily Skoda ones, for winter tyres allowing for smaller wheel diameter tyres with higher profiles to be fitted. This works out cheaper, even including buying the wheels, than buying tyres to fit the standard 18s.

Who have you used that doesn't class non factory fit wheels as a modification?

Cheers,

Dan