What does the bike class of use mean?

Socially

Visiting friends and family, shopping, going out, the school run, holidays in the UK – normal personal use.

Socially and riding to and from a workplace

All the above, plus travelling to and from one work address.

Socially, riding to a workplace and for business use

This is all of the above, plus any business travel to anywhere other than a main work address. This could be riding to visit customers or to attend conferences and applies to you and anyone else on the policy.