Motorcycle and Scooter appreciation

They stopped me right outside my work, and I admitted to riding to work - first time (car was in garage)

I added commuting later that day to insurance policy

Sorry, you might not want to hear this but you told the Police you were commuting, which you were. And your insurance policy doesn't cover you for commuting because you didn't take it in when you got your policy.

You were caught doing something that you shouldn't have been. If you were to be involved in an incident while commuting you would not be covered and this would open all sorts of issues for you and for whomever else was involved.

The Police were right to level what they have at you because legally you're out of order. If you had have said to them "I'm meeting a mate for a coffee, I'm not working today" then they probably would have just waved you on. But you didn't.