I never had a prob with my Volvo v40 estate, or my then 3 year old passat (superb car). not had prob with not looking the part, was more expected back then, but depends on sort of wrk you have I suppose too.
now I have a van I'm part of the van brigade! can't beat it for professionalism. but car served me proud, and saved me money if can't afford or don't need 2 cars, so if can't afford cheap van and can't get cheap enough deal then gonna have to go for lower insurance group car I'm afraid buddy.
how much that same car without business use? b interesting to compare.
never had problem with insurance myself, yet! but that was back in the day when you could sneeze while driving without your excess doubling. seems like they rip you off left right and center, then pull your pants down with the price and slap all sorts of exclusions on ya. it'll be "sorry sir, u listen to r and b, there's another 20 percent loading" when they start running out of excuses!