I guess it's all on the Plate.
My 2.7 TD LWB 1995 manual Maverick states the following:-
2580 kg This will be the Gross vehicle weight. (Axle 1 + Axle 2)
5360 kg This is Gross train weight. (Laden car + laden Trailer)
1 1160 kg Maximum permitted axle load of Mav on Front axle
2 1140 kg Maximum permitted axle load of Mav on Rear axle
If you subtract the Gross Vehicle weight from the Gross train weight, you will get the maximum towing weight.
5360 kg - 2580 kg = 2780 kg
My maximum gross weight for my trailer is 2500 kg so my set up is totally legal. :thumbs
Do the maths on your rating plate and see what the result is.
I have read somewhere that the law allow a percentage over load before they actually prosecute, but insurance companies may not if they don't want to pay out.
As long as there is a loop hole they won't pay out.
:doh