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It may be every eight-year old’s dream job, but owning an ice cream truck is serious business. Like a food truck, an ice cream van is both a vehicle and a portable business, so it’s important you get the correct cover. You don’t want to be caught cold by having to cover expensive repairs, loss of stock or compensation claims.
Find out how to get the inside scoop on ice cream van insurance and how you can save on your policy.
Ice cream van insurance is any type of policy that covers the day-to-day operation of your ice cream van business. This can range from driving cover, protection for your goods and products, to employee and public liability cover.
Certain insurance providers may only offer policies to cover certain aspects of your business and it may be hard to find a single policy that provides all the cover you need. You may find you need to purchase separate policies to cover the business part of your ice cream van, then regular van insurance to cover your general driving.
You can choose to get ice cream van insurance to cover a wide range of situations. This includes:
Like with any other vehicle, you’ll need to be properly insured to drive your ice cream van on UK roads. You generally have the choice of three levels of cover:
You can also get insurance to cover the business side of your ice cream van, including:
This will depend on the type and level of cover you need. If you’re only after insurance to cover your goods and equipment, the cost of insurance may be cheaper than for someone looking to also cover the general use of the van and third party liability.
If you’re just looking to cover the driving use of your ice cream van, the cost of your policy will vary based on the level of cover you need, with third party cover generally being the cheapest. However, keep in mind that it’s generally more expensive to insure a van than it is a regular car and an ice cream van may even require specialised insurance.
There are a number of things you can do to reduce the cost of ice cream van insurance. These are:
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