Been going through the same thing with my XJ. Take a look at VSB14 and NCOP 11 (national code of practice). The general rule of thumb is you can raise your roof height 2" (50mm) with a combination of lift and tyres without engineering. You can have a maximum of 2" larger tyre size than what is the largest maximum on your tyre placard.
Generally, if you go over the 2" higher roof height, you will need engineering approval for this, and it could involve a lane change test.
So, you can get all your mods approved, lift height and tyres etc..(if they are only 50mm bigger) but it can be expensive with the engineering approval and lane change. But then you will have piece of mind and full insurance.
Cheers,
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'95 XJ I6 4.0 AW4 NP242,
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