Catering Van Insurance
Catering Van Insurance Tailored To You
Running a catering van business is not without its risks. That’s why it’s essential to have the right catering van insurance cover in place. As a trusted independent insurance broker, we offer bespoke policies for businesses just like yours.
Whether you operate a hot food truck, a jiffy van, a refrigerated catering vehicle or an ice cream van, we can help protect what matters the most – your vehicle, your equipment, and your livelihood.
What Is Catering Van Insurance?
Catering van insurance is a specialist form of motor insurance designed specifically for vehicles that are used to prepare, store, or sell food and drink. It not only provides the road cover required by law, but also includes optional extras tailored to the needs of mobile catering businesses.
What Does Catering Van Insurance Cover?
At its core, catering van insurance includes motor insurance cover to keep your vehicle legal and roadworthy. But because catering vehicles carry stock, equipment and sometimes even cooking appliances, there’s more to think about.
Typical cover can include:
- Comprehensive Motor Insurance: For accidents, theft, fire and third-party liability.
- Equipment & Stock Cover: Protection for the tools of your trade, whether it’s grills, fridges or stock.
- Public Liability Insurance: Essential if you serve food to the public.
- Product Liability Cover: Protecting you in case a customer becomes ill from food or drink you’ve sold.
Comprehensive Motor Insurance: For accidents, theft, fire and third-party liability.
Equipment & Stock Cover: Protection for the tools of your trade, whether it’s grills, fridges or stock.
Public Liability Insurance: Essential if you serve food to the public.
Product Liability Cover: Protecting you in case a customer becomes ill from food or drink you’ve sold.
Optional Extensions For Complete Peace Of Mind
Every business is different, which is why we can arrange tailored insurance solutions to meet your needs. Some popular ancillary cover extensions include:
- Cover for Multiple Vehicles under one policy: ideal for businesses operating a fleet.
- Replacement Keys & Locks Cover: crucial if your keys are lost or stolen.
- Audio Equipment Cover: For entertainment or public address systems installed in your van.
- Signage Cover: To protect your branding if damaged or vandalised.
- Breakdown Cover: So you’re not left stranded when you’re needed most.
- Legal Expenses Insurance: To support you in case of a legal dispute or claim.
Why Is Catering Van Insurance Considered Higher Risk?
Catering vans are often viewed as higher risk by insurers due to several factors. They usually contain cooking or electrical equipment, gas canisters, and valuable stock – all of which increase the likelihood of fire, theft or damage. The vans also tend to be driven to busy public locations and used for extended hours, which raises the chances of accidents or liability claims.
Why Is It Important To Have Catering Van Insurance?
If you’re using a van for catering without the right policy cover, you may be unknowingly invalidating your insurance. Worse still, if something goes wrong – a crash, a breakdown, or a liability claim – the financial consequences could be devastating.
Having proper catering van insurance ensures you’re covered against the real risks of your trade. It safeguards your vehicle, your equipment, your customers and your business reputation.
Why Work With An Independent Insurance Broker?
As an independent insurance broker, we take the time to understand your business. We don’t offer one-size-fits-all solutions – we provide tailoring catering van insurance that truly fits your operation.
When you work with us, you’ll benefit from:
- Access to a range of trusted and rated insurers
- Competitive premiums with comprehensive cover options
- Friendly, expert advice whenever you need it
- Support when you need to make a claim.
We’ve built strong relationships with some of the UK’s most reliable insurance providers – so you get quality cover from names you can trust.
Get A Competitive Van Insurance Quote Today
Your catering van is more than just a vehicle – it’s your livelihood. Don’t leave it unprotected. Whether you’re a street food start-up or a seasoned mobile catering operator, we’ll help you find the right policy at the right price.
Contact us today to get a competitive catering van insurance quotation and discover how we can help protect your business, your van, and your peace of mind.
Did you know we also provide insurance for catering trailers?