A driver, once convicted, is marked for life. Generally these records are very difficult to clear, which is the reason that such people find it very difficult to obtain insurance coverage for their vehicle.
In life nowadays, vans are used for business purposes. Most business owners use their vans for transporting employees or delivering supplies and orders to (or for) their clients. However, accidents can happen any time so it is better to be insured in times of trouble. Many insurance companies offer different types of insurance products and quotes.
It happens. Drivers, whether professional or non-professional, get into accidents. Some get into accidents and earn themselves a record that convicts them of a one-time deal. Some have been down this road and are aware of these terms: DR10, SP60, SP30, DD40.