Practically speaking, whatever the approved fitment may be, it's a bit of a moot point in NSW - because the regulations allow you to fit a tyre with a lesser speed symbol regardless.
The only issue here is a technicality - the missing information on the tyre placard (load index and speed symbol). Yes, it's inconvenient, but the missing info can easily be sought after by anyone placing a phone call or sending an email to any Skoda dealer.
You are right in saying that we don't underwrite insurance policies, but my personal opinion is that I don't think anything will come of it, unless you start fitting 225/40 R18 88Y or 88W tyres or something.
The safest way would be to get the same type of tyre that was originally fitted from the factory (225/40 R18 92Y XL). Rarely is the case that factory fitted tyres contravene local regulations.
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