What is the legal term for a vehicle used for personal purposes, but insured under a commercial policy?

The legal term for a vehicle that is used for personal purposes but insured under a commercial policy is classified as a non-owned vehicle. This terminology is used to describe vehicles that are not owned by the insured person but are still used occasionally for personal activities. In many cases, non-owned vehicle coverage may come into play when the policyholder operates a vehicle that belongs to someone else's business or organization, and it helps to provide liability coverage for those instances.

Private vehicles typically refer to those insured under personal auto insurance policies, and commercial vehicles are specifically intended for business use and insured under commercial policies. A company car is usually owned or leased by a business for employee use but doesn't necessarily apply to the context of a personal vehicle insured by a commercial policy. Thus, non-owned vehicle accurately describes the situation in question.