imagine if she had an out of date driving license (£20 renewal fee) which is easily overlooked by many on the road. The fine for this is up to a £1,000
This happened to me end of last summer. To be fair, man on the bike just said to get it renewed soon as, then never mentioned it again. He was more concerned about me having turned right from a 'turn left' only road, only for us to both go back and see somebody had knocked over the 'left only' sign
Ref the original thing, while it may seem a little harsh, it's correct isn't it. I mean you 'buy' insurance to off-set a risk. That risk is based on what you tell them - if you then start doing something that isn't within that risk profile, well why would you expect that the product would still be valid for that usage?
As for the idea that 'it's only a couple of sandwiches' - well, if that's the case then that too would affect the risk profile. Say she said on the insurance proposal that she did say <1k miles a year business, I'd be surprised if it had much affect on her premium at all.
For mine, up to 20k *business* miles a year, it only added 300 quid to the premium.
You buy a product, admittedly a legally required one, then you need to buy the right product to use. I don't see it as that difficult really.
She wasn't insured for the what she was using the vehicle for, simple as. Guess it's a different question as to whether the traffic cop was harsh or not.