When I had a scheme car a few years ago, it had business cover granted, but there were some ‘exceptions’ that RSA would not entertain.
One of them was using the vehicle ‘in the capacity of a professional driver’ – which they explained was using the vehicle as a taxi, private hire car or ‘delivery vehicle’.
I had to play verbal and written ‘ping pong’ with them over whether delivering a few beasts to the mart for commercial sale in a trailer attached to the Motability car put me into being a ‘delivery driver’.
They wanted to know how often I did this (once a flood in reality), how far it was (26 miles) who owned the trailer and contents (myself and my siblings as directors of our family farming business), whether I was being paid for the journey (no) and so on and so on.
In the end they said yes (after two refusals) but it was a pain. Much easier now, having left the scheme, with business cover on my own vehicle’s insurance.