If you stop to pick up a gallon of milk and the car gets hit they'll say you were using it for errands and won't pay.
I can see for a certain car, but to not be able to do ANYTHING in my 'fun' car would be like torture.
I love taking it to work once a month when it is nice out or running over to a brewery/distillery/winery with friends in a 'nice car convoy'
The rate is right, that is for sure, but I could NEVER consider a policy like this unless it was a lot older and not as much fun to drive...