Food Truck Insurance

Food Truck Insurance – Compare Cheap Quotes

A food truck can make for a very profitable business, particularly if you sell your food in the right place at the right time. However, since the food truck is the cornerstone of your business it really is vital that you have the right food truck insurance in place to protect your business’s most valuable asset.

And that’s where we come in. Quotezone.co.uk’s comparison service for catering van insurance can connect you with a range of food truck insurance specialists, which means you stand a better chance of finding the right insurance at the right price.

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Will food truck insurance companies insure trucks that weigh more than 3.5 tonnes?

Yes, if your food truck weighs more than 3.5 tonnes you should still be able to find numerous insurance providers that can offer you a suitable food truck insurance policy.

But it is possible that you might have to pay a little more for your food truck insurance if your catering van is a heavier truck, because the truck’s weight and engine size will probably push it up into a higher insurance group, which can in turn affect the cost of your food truck insurance.

What additional factors are likely to have an impact on the price of my food truck insurance besides the truck’s weight?

In addition to vehicle weight, engine size and insurance group, catering van insurers will also take into account the age, mileage, and location of your food truck, and where you park the van overnight (in a garage, on a private driveway, or on the side of the road) will have an impact on your premium as well.

Finally, risk factors linked to the driver of the food truck will affect the premium, including the driver’s age, location, driving record, and No Claims Discount, among other considerations.

Does food truck insurance cover my fixtures and fittings?

Yes, most food truck insurance policies can cover your truck’s fixtures and fittings too, such as your burger grill, chip fryers, fridges and shelving units.

Some food truck insurance policies include this fixtures and fittings cover as standard, while others will let you add it for a small fee.

Will my food truck insurance also cover me against liability claims brought by members of the public?

It is advisable to have a public liability insurance policy for your food truck business, especially if you’re running a catering service in a location where a customer could be injured. However, this coverage often isn’t included as standard when you insure your food truck, so you might have to either bundle it with your food truck insurance policy when you’re signing up, or take out a standalone public liability insurance policy.You can compare public liability insurance here.

What about employers’ liability insurance, will that be included?

If you employ staff in your food truck 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.

However, employers’ liability insurance often isn’t included as standard when you insure a food truck, so you should compare quotes for this type of policy before taking on any staff.