Private use: You are only using your motorcycle in the course of your private life and for leisure. Private use and commuting to work: You are also using your motorcycle to go to and from your office. Private and business use: You are also using your motorcycle for and during the course of your work. Private, Commuting and Deliveries: You are also using your motorcycle to go to and from your office + deliveries of food and/or parcel. Private, Business use and Deliveries: You are also using your motorcycle for and during the course of your work + deliveries of food and/or parcel.