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Hi
It is possible to use different size tyres to get a higher load index but you need to ensure your wheel arch is large enough and the size is recommended (as opposed to permissible) for your wheel rims. There are 185/75 R 14 C's with a load index of 102 which is 850kgs per tyre. Best to check with Swift if they'll fit though.
I'll agree that your current tyres are not adequate. Caravan manufacturers are really mean. I'll bet with their buying power it'd only cost an extra few pounds per caravan for better tyres with say a 20% safety factor.
I've just renewed all 3 of mine after a blowout (less than 3 years old). I uprated to L.I.99 which gives me 95kgs safety margin per wheel instead of the fitted L.I.96 with 30kgs. I'd have liked to go higher.
Tyreman
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