place of work implies a static place of work over a longer period of time. not wherever your job happens to be that day.
With regard to car insurance these are usually the terms;
“Private Use: Use of your car for social, domestic and pleasure purposes and
incidental business use where you are not using your car during your full-time, part-time or casual working period as an integral means of earning your income. [The term earning your income is defined as being required to use your private vehicle as part of your employment conditions].
Business Use: Use of your car during your full-time, part-time or casual working period as an integral means of earning your income that you have told us about and we have agreed to cover. Business Use also includes social, domestic and pleasure use. ”
The phrases do vary slightly ffrom one insurer to another, but in general those are the conditions.
In this case the decorator cannot do his work without the vehicle, (he cannot carry his equipment to his place of work without the van), therefore the use of the vehicle is integral to his job, therefore he should have his van insured for business use.
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