I'm no insurance expert, but where she was starting from might make a difference. Was it home (home to work should be covered) or her office (quite possibly not covered)?

I'd actually suggest challenging the insurance company decision. Tell them you want to appeal their decision, and also say that if they still rule against you, you'll want to take it to the ombudsman. Do so as well if needed.

Reason for saying this : somewhere in the depths of my brain, I seem to recall reading about a similar case a few years ago. The eventual final decision, after going to a court (I think) was that the insurance company was being unreasonably restrictive, and that in the case concerned, it did not 'manifestly increase' the companies risk. Especially in the case of occasional situations.

As said though, appeal procedure, then ombudsman. Possibly contact ombudsman first, to ask their opinion, but definitely appeal the decision.

Yet another example of the shambles that is the way that vehicles are insured in the UK, except that they are not - it's the driver that is insured or is it? Errmm?

Watching any of the traffic cops TV programmes as dibble stands at the side of the road making endless phone calls trying to decide if Mr A is insured to drive vehicle B or not makes me laugh.

High time that the UK caught up with the rest of Europe and insured the vehicle to minimum third party standard to be legal- do what you like, go where you like on business or pleasure, anyone licensed can legally drive it-so it becomes just one question as Noel Edmonds would say :-

Is it insured or not? Yes or no. Makes sense to me.