FAQ Category: Catering van insurance

Yes, if your point of sale (POS) equipment is portable and not permanently fitted, it can be covered under Catering Equipment insurance. Coverage applies whether it’s used on-site or temporarily off-site.

If these components are classified as part of your equipment and not permanently fixed to a van, they may be covered under Catering Equipment insurance for accidental damage. If fixed, they may fall under a different policy (motor or separate business premises insurance).

Yes, stock is covered for accidental damage, loss, or theft while in transit—as long as it’s not left unattended and out of sight of the driver, which would void coverage.

Yes, your cover includes operation at events, provided your equipment and trailer meet all policy conditions. However, if your trailer is unattended, required security measures must be in place.

Yes, catering trailers are covered up to £20,000. You can get a bespoke quote for higher values. The trailer must meet specific security requirements and be stored appropriately overnight.

These measures apply to catering trailers rather than vans. For trailers, an approved alarm, tracker, key-operated hitch lock, and wheel clamp (when unattached) are required when unattended.

Yes, Public Liability insurance covers up to £5 million for injury or property damage to third parties, including incidents occurring around your van during operation.

This policy primarily covers trailers, not self-propelled vans, these would need separate motor insurance. However, if you’re insuring a catering trailer, it must be parked in a driveway, garage, or locked compound overnight with all required security measures. For a self-propelled van, you’d need specific motor insurance.

Yes, generator equipment can be included under Catering Equipment cover if it is not permanently fixed and you are legally responsible for it. Coverage is available for accidental damage, loss, or theft, subject to a £500 single item limit.

Vehicle breakdowns themselves are not covered by this insurance. You would need separate breakdown cover via a motor insurance policy. However, if the breakdown results in loss of frozen stock this would be covered.