Yeah that's what I'm thinking. At least if I buy genuine VW winters the insurance won't be an issue. Buying aftermarket wheels means informing insurance etc etc.
Still best to inform your insurers, even if you put OEM VW wheels on.
You’ll probably find in the small print of your insurance policy that your insurer needs to know of any modifications made to the car. My insurer considers anything that changes the car from its factory build spec to be a modification, although this differs from insurer to insurer.
I’d be really surprised if they loaded your premium if you but different wheels on fitted with winter tyres though, as you’re actually making your car safer to drive during the winter months.