Vehicle
- Collision and theft
- Fire and storm
- Often a limited list price
Insuring a food truck
A food truck is a vehicle, a kitchen and a point of sale all at once. Each of those three has its own cover, and together they fall under no standard policy.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
You insure the vehicle with third-party and own-damage cover, the kitchen fit-out and stock as business contents, and your liability towards customers, including food safety.
There is also the pitch: at events and markets the organiser often sets requirements for your insurance, and gas safety is a condition of acceptance with virtually every insurer.
Independent, personal, sorted quickly
We compare your plant and machinery insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Food truck: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Kitchen and stock
Fit-out, equipment and trading stock.
- Refrigeration and cooking equipment
- LPG system
- Stock per event
Liability
Injury and food safety at the pitch.
- Injury to visitors
- Product liability
- A licensing requirement from the organiser
What is covered
| Situation | Vehicle policy | Business contents | AVB |
|---|---|---|---|
| A collision on the way to the event | Yes | No | No |
| Fire caused by the gas installation | Yes | Yes | No |
| Theft of the refrigeration unit and equipment | No | Yes | No |
| A customer falls ill from your food | No | No | Yes |
| Injury from a parasol blowing over | No | No | Yes |
| A gas installation without a valid inspection | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Value of the vehicle and the fit-out
- Stock and equipment
- Number of events per year
- Gas system and inspection
- Storage out of season
- Cover and excess chosen
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Gas system and inspection
An inspected gas installation with a valid certificate is a condition. Without an inspection, the fire cover lapses.
Food safety
If a customer falls ill from your food, that is product liability. A documented HACCP plan is your defence.
Pitch and events
Organisers often require liability cover with a minimum sum insured. Ask for that requirement in advance.
The gas inspection is a condition of cover, not a formality
Virtually every insurer requires a periodically inspected gas installation with a valid certificate. If that is missing at the time of a fire, the cover can lapse: including for damage to the vehicle itself. Keep the certificate digitally and put the inspection date in the same diary as the MOT.
Frequently asked questions
This is what people ask us most.
Can a food truck go on an ordinary van policy?
No. The kitchen fit-out, the gas installation and the risk to the public call for a policy geared to them.
Is my kitchen fit-out insured?
Only as business contents, declared separately. The own-damage cover on the vehicle does not cover it.
What does an event organiser require?
Usually liability cover with a minimum sum insured. That is set out in the pitch conditions.
Is a gas inspection compulsory?
For the insurance, almost always. Without a valid certificate the fire cover can lapse.
What does an event organiser require?
Usually liability cover with a minimum sum insured. That is set out in the pitch conditions. Ask for them as soon as you register.
Is my stock insured?
Only if you declare it. At events with high turnover a seasonal increase is worthwhile; otherwise you are underinsured on precisely the busiest days.
Every situation is different. For these situations we have a separate page.
- Compare plant and machinery insuranceThe main page
- Insuring a food truck as plant and machineryGas installation, pitch, vehicle
- A scissor lift on plant and machinery insuranceIndoor work, floor loading, inspection
- A pallet truck on the plant and machinery insuranceIndoors, injury, goods
- An aerial work platform on plant and machinery insuranceInspection, operator, ground conditions
- Hobby tractor: agreed value and use at eventsLimited use, valuation, events
- Insuring a food truck through OOM VerzekeringenMoving object, gas and deep-frying, changing pitches
- Insuring a mobile sales vehicleFitting out, pitch, stock
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.