Now this is a tricky one, and it depends on the insurer. Work is defined and as being "paid employment". The work you are carrying out comes under "social domestic and pleasure". Unfortunately, some insurer's make it up as they go along and have staff that have been incorrectly trained or not trained at all, and believe that you should be covered for "business" use.

Due to this, the advice I always give is to make it your insurer's problem. Ring them up , explain the situation and ask them. If they say anything other than the above, ask to speak to a senior manager and have them refer it the underwriters. If they stick to their guns and say you must be insured for personal business use along with commuting, then I suggest you insure it as such. Never give an insurer any opportunity to repudiate a claim or a policy.