They are amongst the most disgusting shysters you are legally strong armed into to dealing with, always trying to dupe you into worthless extras they earn commission from!
You ring up and go it’s not for commercial use and they go what really, you having a laugh pal, silence while the lie detector does it’s thing, so what do you intend to do it with it then……… you do realise it can’t have any sign writing or racking installed and you can only drive that vehicle even though we call it fully comp, oh and it’s the same price as a commercial policy.
Got variations of this approach from most. Really unhelpful even with lengthy no claims. Went with Octagon in the end (was more expensive than a typical car) but I wouldn’t recommend them!