I don't want to spend extra money on business insurance because I have an inactive self-employed business and I don't go to see clients often. What happens if I had a car accident on my way to see a friend? OR to see a cleint? Does it make a difference when I make a claim? What about % of my business use of car and personal use of car? Is it a major factor for the insurance company to define if it is business use or not. What about the nature of business? I am looking for some professional advices. Thank you!