I Don't drive, and I have been doing this job fine just walking or catching the train or bus, but sometimes in the pouring rain my partner can drop me of to nursery runs but then walking back home in the rain.. So he is due to renew his insurance , can he drop me off or take me places or does he need business insurance to do this, it only for over 3's wouldn't do it for younger and they would sit in my own child seat..