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Thanks for the replies, I intend to keep an eye on ebay or similar for someone selling 2nd hand 16 inch XTrail wheels. I don't want to pay a fortune for them as there are some on there for £££. I will also take a look around local breakers yards just in case they have an older XTrail on 16 inch wheels in.
I've talked to the insurance company and they were baffled! They didn't have a box to tick for wanting to fit SMALLER alloys, only for wanting bigger ones, so it has had to be referred to the underwriters. I can't see it being a problem as until recently they shipped as standard on 16 inch wheels but you know what insurance companies are like.
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