Catering Van Insurance

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Catering Van Insurance

Catering Vans can be used for a number of different trades. So whether you're selling artisan coffee or the nation's favourite fish and chips, make sure your catering van is fully protected. In addition to covering the van itself, including when it's used on the road, some providers may also offer cover for kitchen equipment, public liability and employers liability which may be essential for your business.

Why Can't I Have Standard Van Insurance?

Whilst most catering vans are based on regular vans, most mainstream insurers won't insure them under a standard van insurance policy for various reasons including the extensive modifications and increased risk of fire from the kitchen equipment. So don't be tempted to insure your catering van as a regular empty panel van as if you need to claim you may find you're not covered.

Do I Need Public & Employers Liability Cover?

You may find if you have a street traders licence or are attending events that either your local council or the event organiser requires you to have public liability insurance. This protects you should a member of the public is injured, for example if they trip over your electric cable. If you have any employees then by law you need to have employers liability insurance.

Tips for Catering Van Insurance

Choose the right cover

Make sure the policy you choose covers your needs. Make sure your insurer understands what you're using the catering van for, for example the risk of fire damage is very different for an ice cream van compared to a fish and chip van. If you need public and/or employers liability ensure these are included, or seek specialist stand-alone cover.

Try to pay your premium upfront

Many insurers will charge interest if you opt to pay monthly. So, if you are able to, always look to pay for the year upfront to avoid this extra cost.

Don't buy unnecessary extras

You'll no doubt be offered a host of policy extras by your chosen insurer. Whilst some extras provide great value, don't pay extra for cover you won't use. Don't forget you can often save money with stand-alone breakdown cover.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier driving habits.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Catering Van Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Provide your details

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

What do you use your catering van for, who will drive it and how far will you drive. You can also select the level of cover – Comprehensive or Third Party, Fire and Theft?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Breakdown? This can all be amended before selecting your desired policy.

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