Coffee and smoothie van insurance for the mobile cafe trade
An espresso machine is often worth more than the van it sits in. We arrange specialist mobile cafe policies that cover the vehicle and the equipment that actually makes the money, for coffee vans, smoothie bars, barista units and electric Tuk Tuks alike.
- Espresso machines, blenders and refrigeration covered as standard
- Fire cover included as standard
- Public and product liability up to £5 million available
- Converted vans, trailers and electric Tuk Tuks accepted
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Mobile cafe cover at a glance
What you get
- Comprehensive, third-party fire & theft, or third-party only
- Fire cover included as standard
- Fixtures and fittings: espresso machines, grinders, blenders, refrigeration
- Public and product liability up to £5 million available
- Employer's liability up to £10 million available
- Modified vehicles and electric Tuk Tuks accepted
What's not covered
- Personal use, unless social, domestic and pleasure is declared
- Vehicles used for hire and reward
- Wear and tear or mechanical breakdown
- Items left unattended outside the locked van
- Stock spoilage, available as an optional add-on
Want to use the van for personal journeys too? That's fine; just make sure social, domestic and pleasure use is declared on the policy, or those trips aren't covered.
The equipment is the business: insure it that way
Strip the kit out of a coffee van and there's not much business left. The espresso machine, grinders, blenders, refrigeration and the gas or electrical fittings that power them are what a standard van policy quietly ignores, and what a mobile cafe policy is actually for.
On the policies we arrange, permanently installed equipment is covered as standard under fixtures and fittings, with fire cover included automatically. Optional extensions cover the rest of the operation: breakdown and recovery, legal expenses, business interruption and loss of stock.
Handing drinks to the public: the liability side
Every cup you serve is a small liability event: a scald, a slip at the hatch, an allergic reaction. Public and product liability cover up to £5 million is available on our mobile cafe policies, and we'd recommend it to anyone serving food and drink to the public.
If you employ anyone, whether a part-time barista or weekend help at festivals, employer's liability insurance is a legal requirement in the UK, not an optional extra. Cover up to £10 million is available on the same policy.
From panel vans to Tuk Tuks
Mobile cafes come in every shape: converted vans, trailers, juice bars, mobile barista units and eco-friendly electric Tuk Tuks. Both mobile and static units are covered, whether you pitch at markets, festivals, office parks or one regular spot. Policyholders aged 21 and over are accepted, with flexible payment options available.
- Replacement keys and locks cover up to £300
- Signage cover up to £500: the wrap is the shopfront
- Fleet discount for two or more vehicles
- Modified and converted vehicles placed with insurers who understand them
From enquiry to insured in three steps
Tell us what you need
Fill in the two-minute form with the cover you're after and when to call you, or ring us directly on 01323 416706.
We search our panel
Our brokers match your details against a panel of UK insurers and call you back at your chosen time with the options and prices.
Covered the same day
Happy with a quote? We arrange the policy there and then, and email your documents the same day.
Questions drivers actually ask
Straight answers from the team that arranges this cover every day. Anything else? Call 01323 416706 and a human will pick up.
See all FAQsWhat is coffee van insurance?
A specialist commercial vehicle policy for mobile cafe businesses operating from vans, trailers or converted vehicles. It covers the vehicle, the equipment inside it and, with the right extensions, your liability to the public. Call 01323 416706 for a quote.
Is my espresso machine covered?
Yes. Espresso machines, grinders, blenders and refrigeration units are covered as standard under fixtures and fittings, provided they're permanently installed. Fire cover is included as standard too.
Can I insure an electric Tuk Tuk or converted vehicle?
Yes: electric Tuk Tuks, converted vans, trailers and mobile barista units are all insurable through our panel. Conversions don't faze the specialists we work with. Tell us what you operate and we'll place it.
Do I need public liability for a coffee van?
It's not a legal requirement, but for a business handing hot drinks to the public we strongly recommend it. Public and product liability cover up to £5 million can be added to your policy. Call 01323 416706 to include it in your quote.
Can I drive the van for personal use?
Only if social, domestic and pleasure use is declared on your policy. If it isn't, personal journeys aren't covered. Check your terms, or ask us to set the policy up for both business and personal use from day one.
I employ a part-time barista. What does the law require?
Employer's liability insurance. It's a legal requirement in the UK whenever you employ anyone, including part-time and seasonal staff. Cover up to £10 million is available on your mobile cafe policy; call 01323 416706 to add it.
Get the mobile cafe covered properly
Equipment and fire cover as standard, from coffee vans to Tuk Tuks. Two minutes on the form, documents the same day.