Before I decided not to keep my F10 for very much longer, I too was considering switching to non-RFT's. I contacted my insurer (Aviva) and was told that, provided the size and specification remained unaltered, there was no problem in changing them. Best thing for your own peace of mind would be to ask your own insurance company.
Interestingly, I asked Kwik Fit to quote me for a set of Continental (or equivalent non-RFT's), but the branch manager said he wouldn't recommend changing as the suspension was designed around RFT's; and there I was, just trying to give him money!
I suppose that when you consider the resultant difference in unsprung weight, his argument makes sense. However, as Ian points out, there's loads of UK owners over on the E90 forum who have happily made the switch.
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