If you check your insurance policy most say to and from work.Not use for work purposes!
Yes, you need Class 1 Business Cover to use your vehicle in relation to work.
The way I see it, work is when you rock up somewhere and do what someone else wants you to do rather than what you want to do. In return they give you money. If they don't want you to use your own car to do work for them, that's up to them.
