Catering Trailer Insurance - What Do You Really Need?

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Catering Trailer Insurance

Owning a catering trailer is a rewarding business, and your customers never walk away unsatisfied. But it’s important to make sure you’re sufficiently covered so you can work with full peace of mind. This article will walk you through everything you need to know about the coverages you should consider as a Catering Trailer owner.

If you’d like to take a look at the price of Catering Trailer insurance, fill out a quote form and our partner QuoteZone will provide you with specialist quotes from world class catering trailer insurance companies.

Types of Catering Trailer Insurance

Firstly, in order to tow your trailer you’ll need to make sure you have appropriate insurance for the vehicle you’re driving. Check our guides on Car or Van insurance if you’d like to know more.

While the labelling of catering trailer coverage varies, it can generally be separated into three core categories that protect against injury or damage to other people and their property, as well as protection for damage to or loss of your catering trailer:

  • Third Party: Covers you for any damages your trailer/operation causes to third parties, but doesn’t cover any damages or losses you incur.
  • Third Party and Fire: The same protections for third parties as the previous cover level, but includes protection if your trailer is damaged in an accidental fire.
  • All Risk Protection: The highest level of cover, covers your trailers, fixtures and fittings against most of the risks you’ll face as a caterer, such as fire, theft or malicious damage.
Types of Trailer InsuranceThird PartyThird Party and FireAll Risks
Repair if your trailer is damaged in an accident or stolen
red x
red x
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Repairs if your trailer is damaged in a fire
red x
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Compensation if other people are injured in an accident
thumbs up
thumbs up
thumbs up
Damage to other people’s property
thumbs up
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It seems logical to assume that All Risks Trailer cover would be the most expensive, however this isn’t always the case—for example, NCASS Insurance even advertise that they’ll try and find a way to see if they can make an All Risk policy for cheaper, so make sure to compare quotes at each level and see which makes the most sense.

When comparing policies, there’s a few things you should look for. Depending on your provider and coverage level, some will be provided automatically, some may come as optional extras, and some might be unavailable through that insurer. Here’s a few things to look out for:

Common Options within Catering Trailer Insurance
1.Fixtures & FittingsCover for anything fixed within your van, such as grills or fridges
2.StockInsures your stock if any is lost due to an accident. Can also include stock deterioration, if say a fridge breaks down
3.Business InterruptionProtects your income if you’re unable to trade due to circumstances out of your control, such as a fire in your trailer
4.Non-Fixed ContentsPays out if any non-fixed items are accidentally damaged, such as kettles or utensils

Once your trailer is covered, take a look at our guide to Catering insurance to learn more about the business insurances that might apply to your catering company—because a catering business should also have liability and property coverages.

FAQ’s

Do I need insurance to tow a Catering Trailer?

You won't be able to tow your vehicle without a valid driving license or vehicle insurance, so check ahead of time

Firstly, it’ll be worth checking your driver's license to be sure what vehicles you can drive and what you’re allowed to tow. As a standard, most full licenses issued from the 1st January 1997 onwards will allow:

  • Towing a trailer up to 750kg driving a car or van up to 3,500kg (combined total weight max 4,250kg)
  • Towing a trailer over 750kg if the combined total weight of your trailer and vehicle is under 3,500kg

Next, check the maximum tow weight of your vehicle—as a general rule, the trailer should be less than 85% of the weight of the vehicle towing it, but make sure to check online or in your vehicle manual before heading off.

Finally, check your vehicle insurance policy—some (but not all) insurers do include trailer cover as standard. Be sure to check the level you’re covered for while driving (while stationary/operating your business insurance will cover your trailer). If your insurance doesn’t cover trailer tow as standard then you’ll need to contact your insurer before driving anywhere to discuss the next steps with them.

If you have any further questions, check this guide to whether or not your vehicle can tow caravans for more information on weight limits and specific vehicles.

This depends on your insurer—many may insist on insuring each trailer on a case-by-case basis, but some, such as Towergate insurance may be willing to offer you a fleet solution, assuming your trailers meet their terms and conditions.

Yes—you will more than likely need insurance to cover your Catering Trailer. It’s worth considering if you could foot the bill if something did go wrong while you were uninsured—perhaps a fire overnight or your truck being stolen. If not, then insurance coverage can be a great way to avoid any risks.

Our guide to Catering insurance covers what you need to operate as a catering business in the UK, and answers any questions you might have about your business.

It isn’t technically mandatory to own a catering trailer and have insurance, however the risks of operating without an appropriate policy are high, and the costs of something going wrong are severe. Many clients may insist you have appropriate insurances before working with you, in case your business operation causes damage to other vendors/third parties.

There are some business insurances that are mandatory if you meet certain criteria, such as employing members of staff. Our guide to Catering insurance covers this in more detail.

How much does Catering Trailer insurance cost?

Like all insurance, the cost of a Catering Trailer policy will depend on a number of different factors. Insurers are likely to want to know information about:

  • Your previous catering experience
  • What type of catering you provide
  • What size of catering you provide
  • The level of coverage you require
  • Your business (turnover, staff numbers)

Every quote will be different based on these criteria, so putting an exact figure on it is extremely difficult. There are a number of different measurables you can control to make sure you get the best possible deal, however.

How can I get cheap Catering Trailer insurance?

There are a number of ways to save money on Catering Trailer insurance—some which apply generally to many insurance types and some more specific to catering. Here’s a few things you might find lower the cost of your policy:

  • Established business with long history of operations
  • No prior claims or convictions
  • Smaller events/operations (more risk at a 5000 person event than a 500)
  • Relevant catering/hospitality qualifications
  • Smaller business size (turnover, staff, equipment etc.)

Where can I get Catering Trailer insurance quotes?

You can compare a wide variety of quotes here, and receive estimates from a panel of the UK’s leading specialist catering van insurers. These include the likes of:

Luke Masters

Luke is a freelance research associate. Prior to NimbleFins, he worked at FreshMinds, Investigo and BMW. His work in data analytics, pricing, strategy and business development now help him write business insurance content to support SMEs. Read more on LinkedIn.

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