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Breakdown cover when you have business insurance on your car

I have been told by the RAC that because I have business insurance on my car (I work for the nhs and sometimes visit people’s homes with colleagues) that I cannot have standard personal or vehicle cover, it has to be “business” cover. They said that If I had the personal cover and traveled in someone else’s car who had business insurance, I couldn’t use it. Is this correct?!

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