Re: Can they do something more useful instead?
"You are wrong, unless the tires you put on are WILDLY out of spec for the car"
I am not wrong. Policy wording clearly states that a modification that results in the car being out of the spec it rolled off the factory line with.
If you buy a car with Bridgestone summer tyres, and then buy Goodyear summer tyres, they're in spec. As it's a summer tyre being replaced with a summer tyre.
IF you replace the summer tyre with a winter tyre, it's out of spec because the car never came with winter tyres in the first place and is a modification.