Car Insurance on OEM Accessories - dsuk81
In the real world is there any insurance difference between:

Factory fit oem alloys

Dealer fit oem alloys

DIY Oem alloys bought of ebay

I know officially any accessory other than standard equipment should be declared, but in reality would an insurance company know or care about the difference between a standard 15" alloy and a 16" oem alloy?
Car Insurance on OEM Accessories - Armitage Shanks {p}

They'd "Know" about them if you had an accident, as insurance assessor noted them and they were looking for some reason to query your claim.

Car Insurance on OEM Accessories - dsuk81
But would anyone notice or care about 16" vw wheels vs 15" vw wheels

They could have been a dealer or factory upgrade which I can't imagine anyone declares...