I've only skimmed the thread but this raises an interesting point for me. I work from home, my normal place of work is my home office. Twice a month I travel to the main head office which is about a 220 mile round trip. I need to check my policy but I don't ever remember having to specify commuting before. Should I be concerned if my policy doesn't specify it?
Previously when I didn't work from home I always had business cover but when I was made redundant, I removed that from my policy on renewal.
Surely you need business use for work travel to a place that isn't your base.