If you're classed as an 'NHS Volunteer Respoder' you most definitely don't: https://www.abi.org.uk/news/news-articles/2020/03/information-for-volunteers-using-their-car-to-help-fight-coronavirus/
Yes. In theory you'll need business use but I think I read they will look on this favourably. It doesn't add much to the annual premium anyway as long as you're not driving taxi or commercial salesman
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