Accident claim

Well its one of the Insurances I would never advise anyone to take cover with. I had a short term insurance cover for my vehicle. I was involved in an accident while travelling home. Unfortunately I had covered my vehicle under private use(as I have done for the past number of years without any claim rejection). Although after listening to the recording, its clear that they want you to be precise on Business use vs Private use. It's clear that insurances are there for financial gain since their explanation was that when a car is used for executing work duties, it's on the road more often. So i was suppose to pay a higher premium than what I was paying. Unfortunately I have learned the hard way that when you receive an Car allowance/Travel allowance(although mine is a Management Benefit / Perk), regardless of the number of times you travel to execute work related function, they want you to insure under Business use. Since my accident happened while traveling for private use, they refused to pay even when I was willing to be penalised a percentage for not covering for Business use. This is one Insurance that I'll never even think of taking any cover with in future.