Sod-it up & Co. have already offered plenty of helpful advice so apologies for this further point.
I was being ticketed for a (static) traffic offence, during which WPC Plod said she believed I was working and, therefore, did I have business use on my car insurance?
If you have not received a written acceptance of the risk, from the aircraft insurers, could be a similar problem even if you're 'private' flying, with or without passengers, on business.
Insurers are keen to find reasons for not paying claims.