Looking for Ice Cream Van Insurance?
Your joyous jingle inspires happiness in the hearts of everyone who hears it, so if you run an ice cream van you’ll want to make sure you’re protected financially in case of an accident.
With plenty to think about such as replenishing stock, keeping equipment in good repair, having the right trading permits and licenses, as well as planning your routes and making sure you have petrol, you’ll want to be sure that your ice cream van insurance can offer you the right cover should something go wrong and allow you to get back on the road as quickly as possible.
Insuring your ice cream van
As with other types of motor insurance, there are three main levels that you can consider when thinking about ice cream van insurance. Although third party is often the cheapest (and the minimum requirement by law), always weigh up whether the saving in policy premium is worth it over a comprehensive policy.
A basic level of cover that covers damage caused to third party property and any injury compensation claim. If there is anyone else in the ice cream van with you, they would be covered too, but you would not.
Includes all of the above, but also offers you financial cover in case your ice cream van is damaged by fire or theft, or is stolen all together.
Covers all the above, but also includes you (the driver) on the policy and more financial protection than simply fire and theft such as vandalism.
Taking out public liability insurance
If it’s not included as standard with your insurer then you might want to think about taking out some public liability insurance. This will help you to cover the cost of legal expenses and any compensation claims should a member of the public be injured or have their property damaged as a result of your business.
Although you will be taking every precaution to ensure that your van is as safe as possible, accidents can happen such as a screw falling into the ice cream, or someone injuring themselves on a spoon – and you may want to have the financial backing to settle any claims.
How are ice cream van insurance policy premiums calculated?
Each insurer is different, but usually there are a number of factors they’ll want to take into account before calculating your monthly premium. This can be things such as:
Insurers will also take into account whether you’re a sole trader or own a number of vans. Fleet policies are available but you’ll need to make sure that you have all the details, and driver details to hand when taking out the policy to ensure you have the right coverage.
What other types of ice cream van insurance could I need?
There are other things to consider when taking out ice cream van insurance. You might want to think about policies like:
Provides cover for damage or loss to the equipment in your van including ice cream machines and refrigerators.
Helps you to quickly replace any lost ice cream, lollies, toppings, drinks or anything you sell in case it’s stolen, lost or damaged so you can get back on the road.
Required by law, this helps to cover compensation costs from employees if they make a claim after becoming ill or injured whilst at work.
Ice Cream Van Insurance – Useful FAQs
That depends purely on the policy that you’ve taken out such as:
- Just you as the driver
- One that insures you and one or more named drivers
- One that allows any licenced driver to operate the van
If you’ve grown your business and need to take on a member of staff to help then unless they’re a member of your immediate family, by law you’re required to take out employer’s liability insurance – otherwise you’ll be facing large fines.
It all depends on the insurer. Some may include this as standard – but do double check!
If you found yourself unable to trade because your van was being repaired, would you still be able to cover your outgoings? Business interruption insurance can help you pay for things like stock, staff wages and any outgoings that you might still need to pay even if you’re not bringing in an income.
Potentially. Some insurers will require you to have an annual policy, whilst others may let you take out cover for a shorter period of time. Remember, if your van is held in storage for some of the year, you must declare it off-road.