Catering Vans & Food Truck Insurance

Whether you plan to sell burgers at a summer festival, coffee at a winter market, or sandwiches in a bustling town square, you’re going to need to take out catering van insurance first.

Third party only’ insurance is the minimum legal requirement for any van that you plan to drive on UK roads, but the right policy for your catering van can cover you against a range of other risks besides damage to third party vehicles.

Of course, just because you need insurance for your catering van doesn’t mean you have to pay over the odds for it. By comparing quotes from a range of specialist insurance providers, you can ensure you find the right food truck insurance at a price that won’t break the bank.

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Can I take out standard van insurance for my catering van?

While standard van insurance can obviously be used to insure a vehicle that is used for business purposes (in fact, most vans on the road are used as commercial vehicles), it’s still vital that you declare that your van is a catering van rather than an empty Ford Transit for instance.

After all, how, where and when you use your van can influence your vehicle’s risk profile, so your insurance provider will need to take into consideration the fact that it’s a catering van in order to accurately calculate your insurance premium.

Does catering van insurance include coverage for my catering equipment too?

Yes, many catering van policies can include coverage for your catering equipment too, although with some policies you might have to pay an extra fee for equipment cover, while other policies might include this as standard.

Does catering van insurance include public liability cover too?

Public liability cover often isn’t included as standard when you insure your mobile catering business, but it’s certainly worth considering taking out a separate public liability insurance policy for your catering business, as it could protect your business from liability claims if a member of the public is ever injured. You can compare public liability insurance here.

Do I need employers’ liability insurance for my catering van too?

Yes, if you employ staff in your catering van you will need employers’ liability insurance – this type of policy is a legal requirement for any business that employs staff, even on a part time basis.

What steps can I take to find cheaper mobile catering insurance?

Firstly, shop around. It’s unlikely the renewal quote from your existing insurance provider will be the cheapest catering van insurance quote you’ll be able to find, so it really does pay to compare quotes from a wider range of insurers.

Beyond that, there are a few other steps you can take that might help increase your odds of finding a cheaper insurance policy, such as:

• Opting for a catering van that falls into a lower insurance group – while this will only be possible if you haven’t bought your catering van yet (or you’re happy to downsize), if you do have a catering van in a lower insurance group it will usually be a little cheaper to insure.
• Parking your catering van in a garage or on a private driveway when you aren’t driving it – vehicles that are parked on a private driveway or in a garage have a lower risk of being stolen, vandalised or hit by a passing car.
• Paying for the full year upfront – This can sometimes be a painful pill to swallow if your insurance is expensive, but if you’re able to pay the full amount upfront you could save quite a bit of money versus a monthly payment plan.