have used adrian flux in past, they are very good.
had subaru legacy before this truck so didn't bother going back as already mid term insurance already running.
as far as insurance on commercial not sure, i have business use on my insurance and actually made it cheaper !!
both times i've used business insurance it got my premiums DOWN.
remember peeps, if you do any one a favour and get paid or rewarded with diesel sweeties or anything that can be traded you need business ins.
i had to have it for 4x4 response when i did all that, but always used since, as even charitable work which is reimbursed can get you in trouble.
and as i said, it made MY premiums go down, could for you. I need it as i use my truck for riding club work, so have to have it anyway, but would never be without it now.