I am thinking of changing my cars types from low profile ones that's came with n fit it with the bigger ones. For those who know, r there negative consequences on that? Does it affect the car's stability? When at it, how does spacers affect the car? Is it also true that in case of an accident insurance won't pay if a car is fitted with spaces?

Please let me know.

Low profile tires also provide better lateral steering capability since they have stronger sidewalls. Though if you don't like to zoom through hairpin corners that's probably not a big deal. But like @maka says, you get a comfier ride with high profile tires since there's more air between your car body and the road. You'll need to change your rims to a smaller size though so that the overall wheel diameter remains the same. But if you ask me, unless your tires are very low profile - you know like 17 inches and above on a small car - I wouldn't bother with them.

Insurance companies evaluates the circumstances sorrounding an accident to determine the level of compensation and rearly do spacers play a role, unless of cause you were cruising above 110 km/h at a corner of which you'll be blamed for overspeeding/reckless/dangerous driving and in this case if the insurer pays it will be on discretionary basis which in most cases is a % of the claim, since you share in the blame

@washiku

Low profiles are usually fitted in commercial and none-commercial vehicles to optimize the vehicle for on-road / track performance driving. In Kenyan roads, it would make more sense to have regular tyres due to the potholes and the gravel roads.

Since your primary concern is stability, then yes, by changing tyres to the regular ones, you would be compromising handling during performance driving, but not during regular driving. For regular driving, you just to ensure that your suspension is in good condition. You do not want much body-roll while cornering at normal speeds, neither do you want the vehicle to keep bouncing after driving over a bump - those are signs of worn-out suspensions.
Changing to regular tyres also adds comfort because the tyres will absorb small bumps and vibrations.

When changing to the regular ones, ensure that the overall tyre diameter stays the same size as recommended by the manufacture - you'd have to change the rims proportionately.

Regarding spacers, got no idea on its relationship with insurance.

The most common reasons for installing spacers are for appearance and performance.

With spacers, you get better handling, but there is also increased wear and tear on the components, thus more maintenance.

You would install spacers depending on what your handling or performance objective is. Different configurations meet different objectives, such as, the size of the offset, installing them on the rear tyres alone vs installing them on the front tyres alone vs installing them on all tyres.

Installing spacers may also require you to modify the body to accommodate the suspension and cornering wheel articulation.

Size 17..wow,that must be a big car..if you need to sell them and fit new ones...hurira thimu twarie.

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@Washiku, the most important factor IMHO will be your type of car, the use of car, and the roads used for driving your car.

1. Size 17 low profile tyres are expensive to maintain on regular Kenyan roads, they develop dumps on the sides too often even before they wear out. You must be one very careful driver to see the tyres through their normal life cycle. Potholes and stones in gravel roads also tend to bend the rims on such low profiles as size 17 and above.
2. The cost of replacement of these tyres is very high.
3. Stability is not affected by either normal size or low profile as long as the wheel diameter remains unchanged.

Final word: The depth of your pockets and nature of terrain used vis a vis whether car is SUV or sedan type.

Not necessary if you shift to bigger aspect ratio tires to account for the difference in rim size. As long as the overall wheel diameter remains the same you should leave the speedometer and mileage counter alone. Otherwise you ought to have the car computer reconfigured accordingly. Changing overall wheel diameter by more than 2 inches is strongly discouraged though since it's likely to adversely affect the car's geometry. Not to say I am an engineer though.

reduced by 5.3%

Tire math is fairly straightforward. What complicates it is the fact that all the numbers are expressed in different units. The width is expressed in millimeters, the cross-sectional
height as a ratio and the rim radius in inches. You can always work out the overall tire diameter with these values though.