NRMA and also here is the writing from the RTA NSW "Any replacement tyre must have a load rating equal to or better than the rating of the original tyres fitted by the vehicle manufacturer. " Also, from the Tyre Power website: "It is both illegal and dangerous to drive with tyres that are lower than the recommended speed rating."
Insurance companies will do everything in their power to not pay out claims as much as they can and if this is one aspect that they can use, they will to avoid paying out a motor vehicle claim.
That is why I am scratching my head and stuck for tyres
Even the first time I got my tyres replaced and Beaurepairs fitted 84 load rated tyres all round, I noticed it after 6 months and brought it to their attention and they did all they could to make sure they got me the correct load rated tyres for the rears and that is how I ended up with those useless Maxxis.