Hi Renrahs,
This is a very interesting question and I have wondered this many times.
It sounds like it may be a tricky one and I would advise talking to Motability insurance for clarity. The last thing you want is to get this wrong.
Standard Domestic & Pleasure insurance generally allows travel to place of work. As the person would be travelling to a place of work then it could be considered to fall under this section. The person would be driving TO work and not FOR work, for e.g. delivery/taxi driver. However, it’s a grey area and every insurance company will do their utmost to get out of a claim should the worst happen.
Has it been asked for the council to provide transport?
In any case, as already said, I would strongly advise talking to the Motability insurance company.
Good luck.
? I will be remembered for nothing but had great fun doing it ?