Regarding the insurance aspect, a lot depends on what sort of Motor Trade policy the driver was covered by. If he was a sole trader, then his driving record should be taken into account, but if he was covered under a garages blanket policy, not all insurers ask for the names and records of all of the drivers. If he was covered by one of these, any ban would not affect the premium, but a proper garage Motor Trade policy is not cheap in the first place as there are many classes of cover, both compulsory and voluntary, to be paid for.