In case you missed it according to the insurance company the specifications will have been exceeded as the insurance company will look at the specifications supplied by the manufacturers as they have no interest whether the trailer had no payload or whether it only had a partial payload. So double whammy as no insurance payout plus fine and points on your licence.
Let me be clear, the methodology of only choosing a trailer whoes MTPLM is within the tow vehicles maximum towed mass limit (as suggested above) is absolutely fine, but it is NOT the way the law in the UK is written or enacted.
The specifications for a vehicle include a maximum towed mass (weight) It does not specify a maximum MTPLM for the trailer thus regardless of what the MTPLM is, it cannot be used as proven evidence of exceeding the towed mass specification.
A measured value of the load on the coupled trailers road axles would be needed to provide any evidence of exceeding the tow vehicles towed mass limit.
Car insurers can set tighter limits on a proposer provided those deviations from the RTA standards are agreed before the policy is agreed.
The insurer cannot retrospectively apply tighter limits to a policy retrospectively.