Ice Cream Van insurance
Compare ice cream van insurance quotes and protect your livelihood.
What does ice cream insurance cover?
Owning an ice cream van can be hugely satisfying. When the weather's hot and everyone is in a good mood, delivering sweet, frozen treats is a great way to make a living. However, as with any business you should ensure that you have the best protection that you can afford to cover against unlikely, but possible eventualities. That's where ice cream van insurance comes in.
This specialised type of insurance helps to offer protection against theft, damage and losses, meaning you can continue to bring joy to people of all ages knowing that you've got the best protection in place that you can afford.
Typically, ice cream van insurance policies provide:
What's typically covered by stock insurance?
Stock insurance generally covers the cost price of replacing stock lost due to theft, fire and other damage.
How much does ice cream van insurance cost?
To receive an accurate ice cream van insurance quote, your insurer will need to know more about you and some details about your vehicle.
Understanding how these variables affect your premiums is vital for budgeting. The cost can vary widely depending on several factors related to yourself, the van and your likely working locations.
Increase voluntary excess
You can often secure a lower premium by agreeing to pay a higher voluntary excess. However, you should only agree to pay what you can afford and keep this cost in mind as an ongoing potential business liability.
Build up a no-claims discount
A no-claims discount is a reward insurers offer for not making any claims on your policy over consecutive years of holding valid insurance. Usually, but not always, limited to a maximum of 9 years, the longer you go without making a claim, the larger the discount you could receive on your premium.
Minimum Coverage
At the very least, you are required to have third-party liability insurance.
TPO ice cream van insurance covers the costs if you are responsible for injuring someone or damaging their property, but it doesn't cover any damage to your van.
Employers' Liability Insurance
If you employ anyone, even on a casual or part-time basis, you are legally required to have employers' liability insurance. It helps cover you if an employee is injured or becomes ill due to their work.
FAQs
Public liability insurance covers claims made against your business by third parties, which could include customers or members of the public. However, it does not financially protect against claims made against you by an employee. To be covered for this, you would need employers liability insurance.
The age of your ice cream van can indeed affect your insurance options. Some insurance providers may have restrictions on insuring older vans due to the increased risk of mechanical failure or safety issues.
However, specialised insurers may offer policies for vintage or older models. It's essential to compare ice cream van insurance quotes from different providers and check the policy terms to understand any van age limitations.
During the off-season, when your ice cream van is not operating, you may consider switching to a "SORN" (Statutory Off Road Notification) insurance policy.
These offer reduced coverage and are generally cheaper than full-year ice cream van insurance policies. They cover risks like theft, vandalism, and fire while your van is off the road but won't cover you for driving or other road-related incidents.
Some insurers also offer flexible policies that allow you to add or remove different cover options depending on the season for a more cost-effective solution.
Modifications to your ice cream van can affect your policy in various ways. For instance, performance-enhancing modifications may increase the risk of accidents and lead to higher premiums.
However, modifications aimed at improving safety and security could make you eligible for discounts. It's crucial to inform your insurer about any customisations to ensure your coverage remains valid.
