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Fish and Chip Van Insurance
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What is fish and chip van insurance?
There are few things better than piping hot fish and chips, and the fish and chip van is a great way to take this British staple on the road. Mobile fish and chip vans must have the right insurance in place to protect the business owner and members of the public. Here’s what you need to know about fish and chip van insurance.
Why do I need it?
Cooking fish and chips involves a lot of hot oil, which is a traditional fish and chip shop that stays in one place. However, for mobile fish and chip catering, driving this hot oil around can pose significant risks. All frying equipment on board needs to be secured, even when you’re not driving.
A specialist insurance policy will take all these unique considerations into account.
Who needs it?
Mobile fish and chips are such a versatile business, and the British love it. If you run a mobile chippy for any of the following, you should consider getting fish and chip insurance:
- Festival chip shop
- Wedding fish and chip van
- Seaside fish and chip shop
- Special event chippy
- Mobile Village fish and chips
What cover do I need for my fish and chip van?
Beyond that, there is a range of insurance options which could protect your business.
Fixtures and fittings cover will cover the cost of repairing any damage to your chip van equipment. This type of cover will not normally cover normal wear and tear, but if your fryer is damaged as a result of an accident, the policy will cover the cost of repair or replacement.
Legal costs
Employers’ liability
Are fish and chip van insurance expensive?
Because of the risks involved with catering, and the nature of cooking fish and chips, insurers have in the past been reluctant to offer cover to mobile fish and chip businesses. However, with a little shopping around, you can compare quotes from specialist providers, to make sure you get the best available rate.
How to save money on fish and chip van insurance?
- Don’t take the first quote you get. Make sure you have a range of quotes to compare.
- Only pay for the cover you need.
- Store your van securely when not in use, to reduce the risk of theft.
- Consider fitting a black box.
- Make sure all staff have any relevant health and safety training, and that all equipment is regularly maintained.
- Increase the excess on the policy
Frequently Asked Questions
What is fish and chip van insurance?
What is covered in fish and chip van insurance?
- Commercial vehicle cover: It covers the van itself against road accidents, fire, theft, and damage.
- Cooking equipment and fixtures cover: This includes the fixtures and fittings permanently attached to the vehicle, like an in-built stove.
- Public and product liability: This covers claims if a customer is injured or suffers food poisoning because of your business.
- Stock cover: It insures your stock of food against spoilage, loss, or damage, even mid-transit.
Is it mandatory to have a fish and chip van insurance in the UK?
Yes. You need third-party motor insurance to operate any van on UK public roads, which includes a mobile fish and chip van. When you take your catering van on the road, you are legally obliged to be insured on your van in case of any accident, and to cover you and other road users. In case you hire an employee, employer’s liability insurance is legally required.
Help me find the cheapest fish and chip van insurance UK.
Start by doing proper research. Niche providers have more authority than standard sites who give generic results and offers. The longer you have been trading without a claim, the more you can get a discount. You can reduce your premium by increasing your voluntary excess and adhering to good safety measures, such as ensuring that your van is locked up at night.
How much does a fish and chip van insurance cost?
There are no fixed prices. Fish and chip insurance cost will be based on your van value, equipment, location, mileage, and trading history. Average insurance policy of a catering van per year is almost £1000 as compared to about £750 for an ordinary van. This is because of high-risk cooking equipment and business use.
Which factors determine the cost of a fish and chip van insurance?
Key factors include:
- Van value and age: A new or higher-priced van will be more expensive to insure and repair.
- Cooking gear and alterations: Cooking gear in the van, instead of cold food, usually adds to the premium.
- Your driving record: Claims, points, or convictions will increase the costs.
- Location and trading hours: Your night parking and business timings influence your risk profile.
Does catering insurance provide cover for a fish and chip food van?
Normal catering insurance is not sufficient because it only covers your business liability and equipment and not the vehicle. Besides public liability and product liability cover of your business, you must have specialist commercial vehicle insurance to cover your catering van. Many insurers offer both as one policy, and this is the easiest and cheapest way to go.
Will the fish and chip van insurance cover events and festivals?
Yes, when you are trading at festivals, markets, or in one-off events, you will want to ensure that your policy is valid in more than one location. Additional extras are optional and can be breakdown cover, glass replacement cover, and event or festival cover. Some insurers offer short-term event insurance in case you only trade periodically during the year.
Can I insure my fish and chip van if I also use it for personal driving?
Yes. In many commercial van policies, social, domestic, and personal usage can be added to the same policy. This implies that you will not have to get two policies on the same car. When obtaining a quote, you must always specify the intended use, as any other use of the van that is not listed in your policy may invalidate a claim.
What will become of my fish and chip van insurance in case my equipment is stolen when parked?
Catering equipment cover can cover generators and non-permanently fixed cooking equipment against accidental damage, loss, or theft, with a pre-determined single item limit. Nevertheless, theft cover normally requires you to lock and secure the van. Leaving the windows open or keys in the ignition can nullify a claim.