In short, the load capacity of a tyre determines the weight that each tyre is able to hold. It's important that when selecting your tyre you do so appropriately. Assuming that previous tyres have been replaced correctly then the new load capacity should match your old tyres, or if in doubt you can check the vehicle handbook.
It is rare that tyres will affect your insurance but in some cases, selecting the wrong tyre can void your insurance. If you have any doubts, or simply want peace of mind then contact our partner retailers or consult your insurer.
The load rating is normally shown after the rim size on ytyres from our partners sidewall as highlighted below:
205/55 R16 91 W