Another thought , unless it was a big van , the taxation class would have been PLG ( private - light goods ) and since you were a private owner not using it for commercial purposes it shouldn’t have been commercial insurance anyway .I have apparently ‘lost’ the 8 years ncb now as the 2 year point has passed. I wouldn’t have been so annoyed but the van was midway through a year and never made a full year or indeed a renewal point. I simply feel I have been shoddily treated by Hastings and will NEVER use them again.
Lots of people fall into this trap with van based camper vans , which aren’t used commercially, as does a pal who plays in a band and has a van as his private car to lug his gear around in .