Coffee Van Insurance
Request A QuoteCoffee van insurance may be useful for any business that operates a mobile coffee service. It may provide financial protection for the business and its operators in the case of any accidents, property damage or personal injury.
Coffee van insurance covers the cost of repairs or replacement of the van and its equipment, as well as providing protection for any losses that may be incurred by customers or third parties. It also covers the cost of any medical expenses related to injuries caused by the van or its equipment.
What does coffee van insurance cover?
Coffee van insurance is a form of commercial vehicle insurance specifically designed for mobile coffee vans. It provides coverage for the van itself, the equipment inside it, and the business selling coffee from it. Here are some of the individual aspects that we cover within our insurance policy:
- Public Liability Insurance: Should an unfortunate incident occur where someone is injured, becomes ill, or property is damaged as a result of your mobile catering business.
- Employers Liability: Should any employee contract any illness or sustain any injury in the course of their work for your food van business.
- Legal Expenses Insurance: In the event that you are obligated to cover any legal expenses associated with your food truck business.
How can I get a quote?
Our specialist coffee van insurance team can provide assistance on the best covers to suit you and your mobile catering business. Please call us on 01926454907 to speak to one of our friendly specialists or get a quote online.
Do coffee vans have lower insurance premiums than hot food vans?
Coffee vans may have lower insurance premiums than hot food vans. This is because coffee vans have fewer liabilities associated with them than hot food vans.
Coffee vans typically do not need to maintain a high temperature for food or manage food safety regulations and often requires less specialised equipment and produce fewer by-products, making them less of a liability risk for insurers.
This reduces the risk of accidents or problems that could lead to a claim, therefore potentially making the insurance cheaper. Policy premiums are often based on a number of factors and tends to be on a case-by-case basis.
Therefore, the premium will depend on the business and specific requirements, to find out more information please call us on 01926454907 to speak to one of our coffee van insurance UK specialists or receive an online quote.
What licence do I need for a coffee van?
When operating a coffee van, it’s important to ensure you have all the necessary licences and insurance in place to protect yourself and your customers.
Depending on the type of coffee van you’re running and the area you’re operating in, you may need a licence from your local council and a food safety licence.
As well as this, you should consider having the appropriate insurance in place, which may include coffee van insurance. This may cover you in the event of any accidents, damage or theft.
It is important to check with your local council to make sure you’re following all the necessary regulations and obtain the relevant licences for your coffee van.
Interested in finding out how to get started? Check out our article to learn how to start a mobile coffee business.
Our Policy Benefits
Policy benefits can include*:
- Instant cover available from experienced advisors
- Competitive premiums with select insurers
- Full fire cover as standard
- Fixtures and fittings covered
- Mirror bonus available
- Cover for policy holders over 21 years old
- Flexible payment options
*Policy benefits, features and discounts offered may vary between insurance schemes or cover selected and are subject to underwriting criteria
To speak to one of our friendly operatives call
Frequently Asked Questions
While the make, model, weight, and engine size of your van will affect the cost of your insurance, particularly because those characteristics also affect your van’s insurance group, your coffee van insurance provider will examine additional risk factors as well.
For example, the age, mileage, and location of your coffee van can all affect your premium, as can the location of the vehicle overnight – such as is it being parked in a garage, on a private driveway, or on the roadside. Factors relating to the coffee van’s driver will be considered, such as the driver’s age, location, driving record, and No Claims Discount.