business insurance or not

Depends if you can afford to pay or lose the car if you get caught, around our way the Police would ask and check for correct business insurance if tools were seen in the vehicle and which would suggest working use ( or alternatively going equipped perhaps?? )
Personally I would not take the chance even though it may be expensive. Perhaps you need to reconsider if the 8 days a month self employed is really cost effective once all of the self employed overheads are costed out.

 

Could turn out to be an expensive saving.

 

I thought it was just vans that would get pulled over for checking correct insurance, (because they look like obvious commercial vehicles). To be honest, I don't know how anyone would keep a straight face while getting insurance for a LWB van and say it's for personal use.

4x4 are used socially a lot. (depends on whether 4x4 pickup or just a range rover style 4x4).

It's probably not worth the risk in case you do get caught out by a routine sting. You'd get 6 points and have to disloce to future insurers that you were driving without adequate insurance which may affect your chance of getting insurance in future. Do you want to take a chance and potentinally never being able to get insurance again (therefore not work).

 

Definitely not worth the risk. What are you going to save? Next to no money. My commercial insurance is less than a pound a day.

 

I have seen stop and check initiatives where they not only check your paper work, the vehicle but also have people from the revenue/ immigration service checking your status.

 

THIS IS NOT ABOUT GETTING CAUGHT!!

It's about your insurance company paying for your crippled legs for the rest of your life if another idiot crashes into you - something completely out of your control.

With a serious (costly) accident they will look for every opportunity not to pay out.