You are only using your car in the course of your private life and for leisure.
You are not using your car to go to your workplace or to any professional appointment. However, you might use your car to send your children to school daily or other daily routines that aren't work related
PRIVATE USE & COMMUTING
On top of the private usage, you are also using your car to go to and from your office.
You might use your car during lunch time even to meet with your business partner. However, you are not using your car to go to and from business appointments during your work/office hours.
PRIVATE USE & BUSINESS
You use your car in your normal day and in the course of your work.
On top of the private and commute usage, you are also using your car for and during the course of your work. This includes going to business meetings during your work/office hours.