“Private Use” means that you only use your vehicle for private, social or domestic purposes, such as driving between your home and regular place of work, visiting friends or going to the shops.
“Business Use” means that your vehicle is being used for business purposes on a regular basis. This would include individuals who are sales representatives, estate agents and consultants. If your line of business includes carrying stock or tools, of if it is being used for deliveries, you would need to insure your vehicle on a Commercial policy.