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Catering Truck Insurance

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Catering Truck Insurance – Compare Cheap Quotes

Owning your own catering truck isn’t the easiest business to run, and it’s also a business model that often requires a significant amount of start-up capital. After all, catering trucks usually don’t come cheap, and catering truck insurance is often a fairly expensive overhead too.

Still, while this type of insurance can be costly it’s also vital. Not only is it mandatory to insure your catering truck before you take to the road, but if you opt for a fully-comprehensive policy rather than third party only then it can ensure your business doesn’t go under if your truck is ever written off.

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

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I’m thinking of buying a 7.5 tonne catering truck – will this cost more to insure?

Yes, while it usually isn’t difficult to find suitable catering truck insurance for a 7.5 tonne vehicle there’s a good chance you’ll pay more for this type of policy than you would if your truck only weighed 3.5 tonnes, for instance.

There’s a fairly obvious reason for that higher premium. The weight of your catering truck, as well its engine size, can both affect the vehicle’s insurance group, with heavier trucks that have bigger engines generally falling into higher, more costly insurance groups.

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

In addition to the catering truck’s weight, engine size and insurance group, insurers will also take into account the age, mileage, and location of your catering truck, and where you park the truck 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 catering truck will affect the premium, including the driver’s age, location, driving record, and No Claims Discount, among other considerations.

Does catering truck insurance cover my fixtures and fittings as standard?

Most catering truck insurance policies can cover your truck’s fixtures and fittings (eg your burger grill, your chip fryers, your fridges and your shelving units) but some may include this as standard while others might require a small fee to add this coverage to your policy.

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

If you employ staff in your catering 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 catering truck, so you should compare quotes for this type of policy before taking on any staff.