If 45.00 was paid to ooida I don't think money was wasted. A membership their is designed for representation within the trucking industry. While they do provide insurance for straight trucks and TT,and make money from it, that is not the idea as to why one would pay for a membership. If they charged you 45.00 for the purpose of ONLY obtaining you insurance and failed.....certainly ask for your money back.
Individual commercial insurance for one vehicle will be expensive. Not sure of what a van would be, but a straight truck is around 5,000 per year. That is a figure for the state of FL and TX. Other states may be higher or lower.