I had occasion to check my insurance the other day { just tidying up } The requirements are that it has a hitch lock and a wheel clamp when stored. Stored includes off site, in a storage area AND at home. I like to protect my tyres against sunshine, so have moved the wheel clamp onto the nearside wheel as that gets very little sunshine as it is against my neighbours fence. I was going to fit a winter wheel to the offside, enabling me to hide that tyre in a dark place. I decided to check with my insurance company and the upshot was that ' If you fit a winter wheel then your insurance will not be valid if there is a fire as you will not be able to move the van '
Bearing in mind that there is a wheel clamp on, as well as a hitch lock, corner steadies down and a 6kg gas bottle in the locker, the last thing I would be doing is trying to move it anywhere !!
How say you ?