interestingly just been looking for insurance and found this
Even if you don't actually use your van for business purposes - if, for example, you're a teacher but use a van to go about your daily life, including driving to work - you're going to have to get a business policy.
"This is where van insurance differs from car insurance. While car coverage offers a social, domestic, pleasure and commuting option, there is no such policy for van owners.
Even if your van use is largely social, if you drive to one place of work you will need to add the carriage of own goods classification, which makes it a business policy. "
this has never been an issue in the past when i have phoned up they have always stuck me onto a social policy - despite me driving to work twice a week .... Strangely when you do go "caridge of own goods" it wants a business name / radius of work and date of business established .... to me go compare must be wrong on that one surely ? anyone else fallen fowl of this ?
fwiw it adds about 20 quid to the policy - but im still a little dubious that its the right policy for me to be taking - especially if i say to them i work in a 20 mile radius - then drive to the alps for holidays ?