based on info I am reading here ro car insurance, check periodically as it seems to change quite a lot over time.
That hasn't changed in the thirty years I've been having business cover for my car insurance policies.
The lowest form of insurance SDP (social, domestic and pleasure) will only cover you for commuting between home and your
regular place of work. As soon as you start driving around to different places or carrying any sort of goods or tools, you need business class insurance, regardless of whether you're employed or self-employed.
If there's any doubt at all about what you need ensure you explain you circumstances to your insurer in detail. If you get caught with the wrong type of insurance you get prosecuted for driving with no insurance and that's a serious offence.