For a private motorist - ie not a trader, it's not sufficient that they have a policy that allows them to drive any car, for a car to be "used" on public roads. The car must have insurance in it's own right.
I'll accept that for traders, there may be some provisions or exceptions, but as a generalism, for the general public, cars need to be insured in their own right. I'm not sure whether it's mandatory for that to be held on the MIB, but I do know that the online VED renewal website does lookups.
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For traders, perhaps - but I'd suggest that this thread, and most of the discussions of these subjects aren't talking particularly about exemptions for traders. Moreover, I think the thrust of discussion is about the requirements for the private, "average" motorist.
What is wrong? That merely being parked on public roads does or doesn't consbreastute being "used" on the road from a legal perspective?
No it's not.
As a private motorist, you try and tax a car without an insurance certificate that names it at a Post Office, or try and renew online without an entry for the car in the MIB.
As you point out, this must be different for traders with trade policies.
So it's not the same for everybody, then.
Because a private motorist won't be able to do make use of this from a VED perspective, unless he has a trade policy.
Indeed, because excluding trade purposes, and certainly for VED purposes the insurance certificate needs to explicitly name the car, or it needs to be entered in the MIB (for online renewals).
