I went to motor tax office to tax navara crew cab, i was handed a crew cab declaration form,it states that truck in question can only be used to carry employees in the course of operating a business. i was taxing it as a commercial vehicle 250 euro approx. i had informed my insurance company that i intended to use the truck for personal use and they informed me that i was insured to carry my children in it. should i therefore have registered truck as non commercial and paid higher road tax. also is it legal to use a passenger vehicle when operating a business? i do not have a business and did not claim any vat back when i purchased the truck, i intended to use the truck for personal use only at first, with the possibility than i would in the future use it if i started a business.