Why class of use matters
When an insurance provider calculates your car insurance, they will assess your risk of being involved in an accident.
Commuting to work for example, could involve being on the roads at the busiest times, so you’d be exposed to more risk than if you were driving for purely social reasons.
Similarly, if you’re up and down the motorways visiting different offices, you’re likely to be exposed to greater risk.
For an insurance provider, the greater the risk, the higher the premium they will charge. For this reason, business class of use is going to cost more.