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It's been a while since I flew a desk, but back then a standard policy would cover "social, domestic and pleasure use only".
However it was possible, for an additional premium natch, to have various classes of business use added.
Whether the likes of Deliveroo would check that this has been effected and what the odds that a moped riding, pizza pusher would pay the extra are, is another question altogether...
Is it legal to work as scooter delivery driver for the likes of deliveroo, dominoes etc on L plates? Shouldn't they need a proper license if they are making a living out of it?