As we have seen recently with the changing styles of catering vans we are now experiencing a similar phenomenon with catering trailers. Dare I say it big boxes a becoming a no go and eye-catching designs more common place. Tear drop pizza ovens. Silver bullets, airstreams and even vintage caravans converted into catering trailers. We are asked for insurance quotes on all types of Catering trailers, and we always check out its design to. But we always high light that when you’re asking for a quote for that little beauty of yours is catering trailer insurance along with any type of trailer or caravan insurance does not cover damage the trailer may cause to something else whilst its being towed. Here comes the jargon, your trailer insurance does not cover the third-party towing liability. This “should” be covered by the towing vehicles insurance policy. We stress that you need to contact the brokers or insurers and ask them the question and always make a note of the person you spoke to and time & date of the call. So, keep this in mind that your catering trailer insurance policy covers damage caused to it but not by it and with that in mind you can’t go wrong.

Along with cover for the catering trailer and fixtures and fitting you can also choose from a list of additional covers. Stock & money cover. Non fixed equipment, Business interruption cover and even an option where policy excess can be reduced to £zero. What’s better than having your excess refunded? Not having to pay it at all & we thought of it before you know who!

A quick word about trailer security. As a standard requirement all catering trailers for theft cover to apply must have a minimum of a key operated hitch lock and a heavy-duty wheel clamp fitted. Additional security may sometimes be required for higher valued units. These extra measures will be data tags & /or a tracking system. Whilst they do cost extra and may be compulsory, they will also get a discount on your insurance quote. You keep the insurers happy with more security, they keep you happy with a cheaper price.

All this talk of mobile catering trailers and towing liability aside some trailers are no longer mobile but instead are now permanently sited and we can cover these to. If the unit was once mobile, we will look to quote if the wheels and the hitch have been removed. Consideration will be given to any trailer anywhere. A layby on the A42. Pedestrianized city center, car park at a beauty spot. We have even insured those iron police boxes. Tardis esque and usually in Edinburgh but that said they do have to operational catering units.

Talk to us regarding your food trailer insurance. We’d love to hear from you.

You can also add liability insurance to this policy or have a standalone liability insurance. Usually, we find that the stand alone is a better price option with higher cover but it’s always worth checking both options out to decide what policy suits you best.