Heres a spanner in the works....
I use to have a van when I was on the tools great perfect when your earning week in week out
I got ill and was un able to work for about a year so did not bother to insure the van... I get better again but not plastering every day.... in fact I am only doing work for builders that know me so I dont need a van as it will only be a couple of jobs a month and they supply the materials and I just get there sling it on the wall.
In fact the last few I have gone in Janes smart car? Does that make me a chancer? NOPE!!
It just that for me to insure Tax MOT the van we are talking about £1500 plus a bit.... for me whats the point?
Obviously if you are filling the weeks up with plastering then yep using a car is a little bit chancery but still