Good points, I think the points are that if you have a vehicle to use for work ie business then your insurance policy should reflect this accordingly as its being used for differing things. You can't just use a vehicle for both and have insurance only for say private etc.
According toGo Compare-unless the vehicle is strictly for personal use,you need a form of comercial van insurance.
https://www.gocompare.com/van-insurance/business-or-private/