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What is sandwich van insurance?
Sandwich vans are a lifesaver for many office workers, offering lunch on the go, snacks and drinks in a convenient way. If you run a sandwich van business, it’s really important to make sure that you have the right insurance cover. Not only are you probably covering a lot of miles each day, but serving food brings another set of risks.
Whether your sandwich van serves only cold food or a mixture of hot and cold mobile catering, the right insurance policy gives you peace of mind that you’re covered if things go wrong.
What type of cover is available for sandwich vans?
You’ll need to have a road risk cover in place for your sandwich van as a bare minimum. Sandwich van drivers tend to visit multiple locations each day. A high mileage puts you at greater risk of being involved in an accident. Road risk cover protects you in case your sandwich van is damaged in an accident, or you hurt or damage a third party.
There are three levels of cover
- Third-party only – the lowest level of cover
- Third-party fire and theft
- Comprehensive insurance
Fixtures and fittings cover
It’s likely that if your sandwich van refrigeration system or chillers break down, you could be out of action and out of pocket. Fixtures and fittings cover protects the equipment on your sandwich van. If anything is broken or damaged, this policy will cover the costs of repair or replacement
Public liability cover
Selling cold food like sandwiches still comes with the risk you could make someone ill. If someone brings a claim against you because of bad or contaminated food, public liability insurance is a must. It will cover any compensation ordered, along with the legal costs of defending the claim.
Employers’ liability cover
You will only need to take out employers’ liability insurance if you employ staff in your sandwich van. If so, it’s required by law and protects you if an employee or ex-employee brings a claim against you.
If you operate more than one sandwich van, you might benefit from a fleet insurance policy. Talk to your insurer about what type of cover is the most cost-effective for your business.
What level of cover should I get for my sandwich van?
There are no hard and fast rules, unfortunately! What’s right for your sandwich van business will depend entirely on your circumstances, and budget. Beware that only going for the lowest level of cover might leave you unprotected in the long run if you’re involved in an accident, or claim against you.
How can I get lower insurance costs for my sandwich van?
Always shop around when choosing a mobile catering insurance policy. You may be able to increase your excess, which should lower premium costs. Reducing overall risk within your sandwich business will also help to lower your premium costs.
Do I need a breakdown cover?
Breakdown cover is not required by law, but many sandwich van drivers choose to add it to their policy for peace of mind.