Ice Cream Van Insurance
Ice cream van insurance is a kind of insurance that covers vans for their line of work. They are typically bought to protect the cost-sensitive company or individual who owns or operates an ice cream van from financial loss if there is accidental damage to the van or if fines incurred by a third party are higher than the cost of buying insurance.
Which Types of Ice Cream Van Insurance Are Available?
Several different types of insurance can be purchased to cover these risks, including glass break, third party liability, collision, and perils. Ice cream van insurance is arranged to cover the risks in two ways – covering against third party liability and by covering against accidental damage.
Glass break insurance covers ice cream vans in the case of a ‘windscreen replacement’ and other effects of an accident such as frame damage, panel fitting distortions, windscreen cracks, bent mirrors, chipped windscreens, and seals and minor bodywork craftsmanship distortions.
Third-party liability insurance is a kind of coverage that covers the financial damage caused to a third party due to an accident involving the insured’s van. The cover is generally for public liability and third-party property damage. This kind of ice cream van insurance is the most cost-effective form of cover and is a must if you have this kind of business.
Theft is the most frequent loss incurred by owners and operators of vans. With third party liability, the ice cream van is assumed to be at fault and liable, whereas, with glass break, it is not necessarily assumed as such.
Common types of coverage include:
- Glass break
- Third-party liability
The key point regarding these is that all of them are based on insurance regulations. These stipulate the insured’s a legal liability and how much the insurance will pay out in accidents and claims.
For the van owner, it can be challenging to know what kind of insurance they need. The first step is to identify the dangers experienced by residents in your area and decide how many years of experience you have. It also helps if you are willing to consider what other kinds of insurance you need apart from the ice cream van insurance as they may influence your choice.
To get more information about insurance for your business, contact private insurance companies. These tend to offer higher-risk cover than many standard credit insurers who set rates for similar businesses. The premium paid for the ice cream van insurance is often based on distance travelled and daily time spent in the van.
Ice cream van insurance is different from glass break insurance in that the van is not assumed at fault for an accident. Glass break insurance covers the damage to the vehicle if another third party causes it and glass break occurs. However, ice cream van insurance covers accidental damage such as broken windows or mirrors chipped.
The main differences between glass break and ice cream van insurance are that ice cream vans do not have a comprehensive cover (i.e. it does not cover theft), which is a good thing as ice cream vans only need to be covered for their windscreen. The other difference is that glass break insurance will provide the van owner with the money to replace their vehicle. In contrast, the new ice cream van insurance policy owner can continue driving it.
For ice cream vans, you should use your judgment about whether it is better to buy glass break insurance or third-party liability insurance, but generally speaking, you should buy a combination of both.
How to get Ice Cream Van Insurance
This is the insurance form you must fill in when you purchase your ice cream van policy. This document will be sent to your insurance provider after you initially purchase it. Within the document will be a space where you should summarise all of the information they require to do their job and provide you with a quote. Some policies may have other things, such as an impact on your personal life or any other factors that need to be considered in your quote.
Once your quote has been obtained, you will then be able to start the process of taking delivery of your ice cream van insurance policy and purchasing it. You can choose whether you would prefer a policy that provides financial coverage only or one that goes further and provides you with personal injury protection and business interruption cover too.
The best way to ensure that your business has the optimal ice cream van insurance policy is to speak to your business insurance provider, who can advise you of what would suit your needs best. It is also worth speaking to a broker, a specialist in this area of business insurance and may be able to find a cheaper policy for you than with some large insurers.
Find out more about the importance of insurance here.
Other useful links about Business Insurance:
Churchill Business Insurance
Hiscox Business Insurance
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