Hi Joss,
I understand how it may seem. The individual that I am enquiring for is the main carer and is the only individual that lives with the disabled parent. I believe they only work 2/3 miles from home and would use the car to and from work. They would also be returning home at lunch times to provide care etc. I believe they only need business insurance for one off trips between council offices however the employer will not issue them with a permit unless they have Business included. They wouldn’t even be covering more than 5/10 miles a day. So I believe it may still be in the benefit of the claimant as the individual appears to be the only person in the household earning. They also wouldn’t be using the vehicle for excessive mileage. I may be wrong, hence why I enquired here.