Is a "regular bloke / woman" supposed to know what wheels were standard and which ones were optional extras for the car they're buying?
Us car enthusiasts might know, but I dare say the average 65 year old pensioner wouldn't know if the wheels on their 15 year old Fiesta were std or optional.

Is that just a way of insurance companies failing to pay out come claim time?

"Sorry, you've got pagid brake discs rather than motorcraft ones, we're not paying"

Of more concern should be people putting linglongtingtongditchfinders tyres on their cars and wondering why they're wrapped round a tree at the first sign of a damp road.. Where do you draw the line at an "option" or "non standard feature"???