With our insurers its whether or not you sell hot food. Hot food vans have a higher chance of a fire claim occurring, so these business types pay a higher premium because they are technically a higher risk. But the cost of insurance wouldn’t differ between Indian, English or Italian cuisine for that matter. The question simply is what’s your vehicle style? Hot food, ice cream, coffee van etc.

Your insurance should be based on where you keep the vehicle when it’s out of use not your address. When the van is out of use is when it’s at greater risk for theft. That’s how our insurance works. When the van is in use, you’re with it so what’s going to happen? It’s when you leave it and where you leave it. City center residents, get some secure parking facility just out of the center. The post code ought to have a lower rating and provide a better price for you.

You would expect us to say no, wouldn’t you? But sometimes it is possible. With a cheap quote however what’s vital to consider is does a cheaper quote give me all the level of cover that I need? Find out and compare the policy excess. Is there a mileage limitation? Who are the insurers and what is their financial rating? Will they be able to pay a claim? Do I have fire cover and check this in a sample wording that the agent should send you but only sometimes if you specifically request one.