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Catering Van Insurance.
Find the right cover to suit you.

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    Insurance for catering vans with modifications.

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    Includes cover for kitchen equipment and appliances.

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    Tailored employers’ & public liability policies available.

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Overview 

Whether you’re catering on-site at a private event, selling food at a festival, or parking up by the beach to sell ice cream, you’ll need the right insurance cover.  

Luckily, our experts are here to help. We provide an advisory service, which means we’ll explain all the different types of coverage your mobile catering business will need to confront the possible risks that can arise. Let us handle the catering van policy, so you can just focus on cooking some treats for your customers. 

Does catering van insurance cover my stock and food?

Catering van insurance can cover your stock – the food and drink you use to conduct your business – if you opt for a policy with contents and stock cover.  

Contents and stock cover encompasses equipment, utensils, and, of course, the stock that you carry in your van. It provides protection in the event of loss or damage to your food and equipment.  

Some insurers on our panel even go the extra mile to include frozen food cover in their mobile catering policies. 

How much is catering van insurance?

The cost of your catering van policy will depend on the level of coverage you need, your driving experience, and many other factors.  

Our team will guide you through the best cover to suit your catering business and find the most competitive rates on the market.

Call us on 0800 107 1625 to find out how much you can save on your food truck insurance premium and get a free quote now.  

 

Cover Options

Our insurers can cover you for:
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    Van drivers aged 25 and over.

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    Laid-up cover for your catering van.

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    Cover for fittings and fixtures inside your van.

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    Portable catering equipment cover, if opted for.

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    Fire cover if it was started by cooking equipment.

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    Frozen food coverage and stock cover.

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    Interruptions to your business that prevent operations.

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    Replacement locks and keys for your van.

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    Event cancellation for on-site work.

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    Liability coverage if an employee or the public claims for compensation.

What's not included:
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    Fast food delivery vehicles cannot be covered under this policy.

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    Damage to your vehicle caused by vermin.

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    Any damage or theft if the vehicle is unoccupied or unlocked.

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    Loss of or damage to your van caused by a deliberate act by you.

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    Repair or replacement of glass panels or the sunroof.

Get Insured to Ensure Peace of Mind.

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Why Choose Us?

Why Choose Us?

Here are just some of the reasons why you should get a quote with us.

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    Policies at Affordable Prices

    Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*

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    Hassle-Free Renewals

    Our renewal team will ensure you get the latest offers and deals on the market when it comes to renewing your van insurance.

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    Changes to Your Policy

    Our friendly team is only a phone call away whenever you need to adjust your policy.

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    Trusted Panel of Underwriters

    With decades of experience as specialist insurance brokers, we will find the right policy for your van from our trusted underwriters.

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*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.

Frequently Asked Questions

Are there any catering vans you cannot cover?

Some policies will have a limitation on the value of the vehicles they can cover, but not all of them. We’ll be able to find the coverage you need as most of our insurers don’t have this limitation. 

Does a burger van need planning permission?

Whether you need planning permission for your burger van depends on the location and duration of your business operation.  

If you plan to trade on private land, you usually need planning permission from the local council. For pitches on public land, you need to get a street trading licence from the council.  

However, you will need to register your business with the local council 28 days before your first day of trading anyway. Your local council will want to monitor food businesses in the area and make sure your business complies with food safety rules.  

Do you have a limit on how many employees I can cover with liability insurance?

We have insurers on our panel that can offer liability coverage for an unlimited number of employees.  

Just let us know during the application process that your priority will be covering a large workforce with unlimited coverage, and we’ll do the hard work of tracking down suitable policies. 

How much liability insurance do I need for a catering van?

The liability insurance you need for a catering van depends on the size of your business and its operations. Additionally, policies will vary, so this also depends on the insurer you choose.  

Legally, you’ll need a minimum of £5 million employer’s liability, but if you have a larger team, this figure may need to be higher. Some policies will even provide cover for an unlimited number of employees. 

In terms of product and public liability, you can usually opt for cover up to £5 million. However, with some policies from our insurers, we can exceed this and cover up to as much as £10,000,000. 

Why can’t I have standard van insurance for my catering van?

Standard van insurance does not provide enough coverage for a catering van. This type of policy generally covers the vehicle itself but not its modifications, such as built-in appliances. 

Instead, caterers should opt for non-traditional commercial van insurance that covers a modified vehicle and the risks facing their business operations. 

Catering van insurance protects your van, cooking equipment, and stock if an insurable event occurs.  

It can also include tailored employers’ liability insurance, which is legally required if you have staff, and public liability to safeguard your business from compensation claims.  

What’s more, you can have additional elements in your cover focusing on business interruptions and the cancellation of events you’re working at. These types of risks just aren’t considered with traditional van insurance.  

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