I am sorry, but you are going totally over board and your comments on the nose weight are probably not very valid. How will the manufacturer prove that you have exceeded the recommended maximum weight on the coupling when the nose weight can fluctuate between zero and well over 200kg? How will it invalidate your insurance as I am not aware of any legislation governing nose weight for domestic trailer/caravans? The legislation involves the load on the rear axle.
Having said that it is always best to comply with recommendations and to stay within the law whatever you are using or doing!
How have I gone over board with my comments? I have simple described the relationship between a static load and a dynamic load using what I understand is the accepted industry peak load differential identified by Lutz.
The reason I explained it is your posting at #58 where you declare that you have chosen to exceed the manufacturers "S "value, and say its not a problem, tacitly encouraging other readers to ignore such limits. You appear to use the argument that becasue the S value is not a specific legal limit there are no consequences to exceeding it.
Well there are possible consequences.
How many times have we had reports of caravan manufacturers refusing to cover a collapsed suspension under warranty, becasue the manufacturer has declared (without proof) the caravan has been overloaded. The difference here is you have declared publicly in this forum that you have exceed the stated S value for your car or caravan hitch. If a caravan manufacturer were to link your avatar to your real name, they could use your declaration as evidence against any warranty claim you might make.
When you take out car insurance, the policy covers the vehicle (and trailer) on the assumption that it will be used within the manufacturers loading specifications. By deliberately exceeding the nose load specification, you are not using the vehicle within its manufacturers specification, and this could give the insurer due cause to withdraw or void your policy.
If you were stopped for a roadside inspection, whilst the fact your nose load is in excess of specification and that is not an offence in itself, it could be deemed as having an unsafe vehicle or load. Otherclive has previously reported that roadside checks can include assessment/calculation of nose load.
Suggesting exceeding any manufactures' specification is irresponsible.
To be clear the comments are valid, but explanation is over board and meaningless to many people who want a simple life without worries.
Whilst it is preferable to offer a simple solution, sometimes it is necessary to to provide an explanation involving details, becasue the devil is in the detail.
The simple solution to excessive nose load, is to trim to an acceptable load that is within the manufacturers specifications.