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Catering Trailer Insurance – Compare Cheap Quotes
Unlike catering vans, which legally have to be insured before you can take them out on the road, catering trailer insurance isn’t mandatory.
However, although it might not be required by law that doesn’t mean you should forgo catering trailer insurance. After all, your catering trailer is probably the cornerstone of your catering business, so if it was ever stolen or damaged your whole business could be out of action.
So whether you plan to use your trailer to sell burgers at a summer festival, coffee at a winter market, or sandwiches in a bustling town square, it would be a good idea to ensure your catering trailer is insured first.
Does the type of food I sell affect the cost of my catering trailer insurance?
Yes, it can do, although the difference in the premium is likely to be due to the catering equipment different types of food trailers carry, rather than the food itself.
For instance, a catering trailer that specialises in burgers or fish and chips is likely to carry more cooking equipment than a coffee trailer or sandwich trailer, and those grills, fryers and ovens could potentially push the premium up if they’re valuable.
So catering trailer insurance does include coverage for my catering equipment?
Yes, many catering trailer insurance policies do include coverage for your catering equipment too, although you will usually need to declare the value of that equipment, and expensive equipment is likely to result in a higher premium.
If your own catering trailer insurance company doesn’t include coverage for your catering equipment as standard you should be able to add it to your policy for a small fee.
How can I find cheap catering trailer insurance?
First and foremost, you should shop around for the best quotes each year. It’s unlikely the renewal quote from your existing insurance provider will be the cheapest catering trailer 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 catering trailer insurance policy, such as:
- Storing your catering trailer in a garage or on a private driveway when it’s not in use – trailers that are stored in a garage or parked on a private driveway usually 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 catering trailer 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.