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since the 245/40/20 is still within acceptable variance tolerance, your only concern is the speedo is bit off. Speedo will show 1.5km/hr slower for front; 3km/hr slower for rear.
In the worst case scenario, if the improper tire size is selected, the result could be:
1) wrong speedo reading
2) rotational variance could set off car's main ecu
3) proper braking ability
4) tire is rubbing against the wheel well when turning which over time may lead to tire damage & excessive wear
5) handling may be affected which may result in the car pulling to right or left
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