I recently had some contact with a colleague looking for assistance with a friend who had a car accident while working but didn't have commercial vehicle insurance.
- You have a car.
- You use it mostly for private use.
- You have comprehensive car insurance.
- You are involved in a hobby or sideline to your normal occupation.
Now, many people take the approach she'll be right, because when they last read their policy document, as an 18-year-old with their first car, it either said incidental business use was covered, or it could be covered, you just needed to let them know.