Anyone know the legal ins and outs of using a car (any type hatchback/estate etc) to transport any forms of equipment?

Heard that if you use your car to transport kit to a disco - it is likely that you are not covered by insurance to do so - therefore driving without insurance!

EH?!! whats the difference between carting yer gear from home to a gig and filling the car with rubbish yer wife wants shot of down and taking it down the dump?!