Surely if you only do this occasionally, it doen’t make viable business sense to have a second car and surely out of the remit of a grooming business and that onus should be with the owner, if thats what you do?
Motabilty advice to contact Direct Line which you have done and not got the answer you wanted unfortunately. In this situation, I would hand the Mobility car back and buy/lease/PCP a family car hats suitable all round, using your daughters PIP mobility compenent and offset some of it agains’t the business.