We are one of UK’s leading providers of Ice Cream Vans, Hot Food Vans and Mobile Food Shops, covering the vehicle and the permanent fixtures and fittings.

Our ice cream van insurance product allows for mirrored no claims discount (NCD) for new businesses or established caterers. Most insurers will not provide full fire cover for catering vehicles but with us this option is included in both our catering van and ice cream van insurance products.

In some circumstances catering work can often be seasonal, cover is available for either 6 or 12 months. Like any motor policy we offer a complete choice of Comprehensive, Third Party Fire & Theft or Third Party Only covers.

Discounts are give for Datatag or Thiefbeaters marking systems and tracking devices.

Contact us for either an annual or a short term catering van policy.

Active the Catering Experts – 0844 477 9805

Our outside catering product is designed to offer stand alone liability insurance to mobile and outside caterers such as:

• Outside caterers
• Marquee caterers
• Market stall caterers
• Mobile bars
• Coffee rounds
• Ice cream vans & bikes
• Sandwich rounds
• Buffet caterers
• Contract caterers (golf clubs / pubs / canteens etc.)
• Hog roasts and barbecues
• Food Kiosks
• Cookery demonstrators
• Dinner parties
• Cake making
• Chocolate fountains
• Food kiosks and baked potato ovens
• and many more…

Liability covers available include:

• £5million Public Liability – required by most councils and show / event organisers (£10million option available if required)
• £5million Product Liability – including food poisoning
• £10million Employers Liability – with no restrictions to the number of staff

Our commercial team has expert industry knowledge in providing insurance for mobile and outside caterers and we even include a page entitled “copy for the event organiser” which you can show to councils / organisers, this also witholds some of the more personal information.

Additional optional extra covers can be added if required:

• Business stock cover
• Business equipment cover – including generators
• Up to £10,000 sum insured
• No single article limit
• Cover can be extented to include theft from unattended road vehicles / trailers
• No need to remove business equipment from the vehicle overnight

 2. Catering Trailer

This product is for mobile and fixed site catering trailers, including potacabins which covers the unit and the fixtures and fittings. Cover can also be extended to include money, stock, frozen food, legal expenses and business interruption. You also have the option to add liability insurance cover.

Unlike other insurers on the market we do not ask for pictures of the catering trailer and the trailer does not have to be kept in a locked compound.

Our ctaering trailer insurance product also provides a no claims bonus discount and further discounts are available for Datatag or Thiefbeaters marking and registration system (both systems provide a unique ID number and electronic transponder).

A motor fleet insurance is essentially a vehicle motor policy that combines more than one vehicle under the umbrella of a single policy. There is nothing complicated in obtaining a fleet insurance quotation as the process is very similar that of a single car insurance policy. Similar set of questions apply to fleet risks as to a standard car policy.

Not all insurers offer fleet insurance, so it is important to find companies that specialise in fleet policies. This can easily be done by searching online for fleet insurance by using a search engine such as Google, Yahoo and Bing. Once you have the contact details for a few fleet insurance brokers you can then begin to contact each of the brokers with your fleet insurance requirements. Most professional insurance brokers will have access to a large panel of insurers that compete in the fleet market and will do their best in trying to get the best possible terms and price for your fleet vehicles.

For the fleet brokers to be able to provide you with a firm quote you must declare the correct answers to all the risk questions that will be presented to you. Disclosing all material facts ensures that you will get a firm quotation that will usually be valid for 30 days. You must also read the quote documentation thoroughly to make sure that the fleet insurance policy being offered meets all your demands and needs. The broker will as part of a written quotation enclose their terms of business agreement, demands and needs statement and a policy summary document. Read through all of these documents and if you are unsure or need further clarification contact the fleet insurance company and speak with a professional consultant.

Each fleet insurance brokers quote will vary in some form or way. The common things to check are policy limits, driver limitations; such as excess that applies for accidental damage, fire, theft and windscreen. Also it is common that most fleet brokers will also include some form of motor legal expenses policy that is extremely useful in recovering your policy excesses in the event of non-fault accident claims amongst other things.

Once you have taken out a fleet insurance policy, it is you duty to inform the insurer of any changes that occur regarding the fleet policy. Changes can include, location of where the vehicles are kept, additional vehicles or vehicles to be removed from the policy, accidents etc. This is a small list and in any case if you unsure as to if a change needs to informed or not the best option is to always ring the fleet insurance broker and ask. It really is that simple.

To run a fleet operation successfully a few simple fleet management protocols should be implemented. As an employer you do have a duty of care towards your employees and to your customers and other road users. The vehicles should be kept in a good working order and must be road legal. Driver training is highly recommended as well as ensuring that all drivers have a written policy as to what to do in the event of a claim. Even keeping disposal camera kits in the vehicles can be a valuable tool in assessing how a claim proceeds.

Fleet insurance policies do not follow the concept of no claims bonus as single individual car policies. With a fleet policy at the end of each year you get what is called a fleet claims experience document. This will highlight who the insurer was, average number of vehicles for that policy year, number of claims and the costs of these claims. To keep costs to a minimum any claim that does occur on your fleet must be reported to the insurer immediately as this will help to minimise the costs involved. With early notification the insurers are able to deal with the claim a lot more quickly and usually will result in lower costs to all parties involved.

Business Insurance Cover for the Printing Trade

With over 50 years combined experience in commercial insurance products, Active can provide specialist cover for printers of all sizes. Our printers insurance product is designed to cater the needs of the printing industry.

We cater for most printing businesses:

• Printers based in the UK and Republic of Ireland
• General printers including small print businesses
• Digital printers
• Security printers
• Label printers
• Print finishers and bookbinders
• Silk screen printers
• Carton and packaging printers
• Printers of newspapers / publishers

• Roofers liability insurance excluding heatwork.
• Roofing contractors cover including the use of heat.
• Cover for temporary employees.  
• Cover for sub-contractors.  
• Public liability insurance limits of £1m, £2m, £5m and £10m available
• Flat roof roofing policy for hot roofers with application of heat use.

The roofing contractors liability cover will protect the roofing contractor including their business in the event of a client lodges a claim for personal injury or property damage. A customer can only claim for damages or injury if this has been caused by as a direct result of the contractors or an employee of the roofing contractors negligence as part of the roofing contract.

For a quote on cold or hot roofing insurance please contact our commercial department on 0844 477 9805 or complete our online call back request form.

There are many landlords with a second property that was specifically purchased as a buy to let investment to either supplement their income or for future growth as a result of price increases in the property market.

A typical buy to let policy will include cover for the buildings against damage caused by perils such as fire, storm, escape of water, flood etc. The policy also normally includes some form of property owner’s liability and a loss of rent cover with typical values of £2,000,000 for property owner’s liability and 20% sum insured of the building value for loss of rent.

Additional optional covers are available on most buy to let policies such as accidental damage, landlord’s contents, legal expenses and rent guarantee cover. These optional extra covers will usually incur an additional premium.

What can you do to get a cheap buy to let insurance policy? The type of tenants that you have plays an important role in calculating the premium for your buy to let landlord’s policy. Professional tenants and working class tenants are deemed to be a lower risk category than tenants on DSS benefits and as such will result in cheaper quotes. There are many different types of tenants for a landlord to choose from for their buy to let property. Professionals, students, DSS, asylum seekers, shared tenants under Houses in Multiple Occupation (HMO) licence.

Insuring the correct buildings sum insured is also crucial in both saving money but more importantly for not underinsuring. Even though the prices of houses have come down in the current economic climate this does not mean that the cost of rebuilding the premises has also gone down. Most home insurance policies that are available through the comparison automatically give sum insured for up to £500k or even £1m but this doesn’t mean that the cost of rebuilding is that high. If you over insure your home on a buy to let insurance policy then you will, potentially be paying a far greater premium than you should.

For further information on buy to let insurance and landlord insurance please contact Active, the UK’s leading brokers for all types of property insurance.

The one day insurance policy is a fairly new concept and most motorists are unaware that it exists. Even though its commonly known as short term car insurance or temporary car insurance or even daily insurance most insurers offer cover for 1 to 28 days. The policy can easily be arranged online with the certificate available instantly for printing. Borrowing a car for one week then take out a policy for 1 week or two weeks if needed, the short term policy is very flexible to meet the temporary car or van insurance for most motorists.

As with any type of insurance policy there are some conditions that must be met. Some typical conditions for one day car cover include;

• The vehicle to be insured must not be hire
• The vehicle to be insured will have an upper value limit of usually £40K (check with your provider)
• There are conditions on driving licence
• Motoring convictions and fixed penalty points
• Motoring claims and non motoring convictions

The above is just a small guidance as to the types of acceptance criteria insurers look at on temporary car insurance.

The 1 day car insurance policy is suitable for many different scenarios including;

You have just purchased a new vehicle and need the cover to be able to drive the vehicle back home.
You are test driving a new vehicle and need temporary insurance.
You have borrowed a friends van for the weekend and need weekend car insurance policy.

As you can see there are many benefits attached to a one day car policy. Its usually very simple to do an online quote, pay by card and print your documents immediately.

The empty home insurance policy can be purchased online by using our easy online quote system thats powered by the CETA quote engine. For any online policies we do not offer advice or recommendations. Please ensure that this product meets your requirements prior to purchasing the unoccupied home policy.

A property may be unoccupied due to:

• The home is unoccupied because it is on the market to be sold
• The property is vacant due to the landlord awaiting for new tenants
• The house is empty due to probate
• The home is a new purchase and will be unoccupied until renovation work is completed.

If you need to speak to us regarding a vacant home policy quotation, you need to take a note of your quote reference and then call CETA directly on 0845 458 3068,

Tenants contents cover for up to £20,000 sum insured available online, for greater sum insured please call us. Options available on all our tenant contents policies are accidental damage cover, worldwide personal possessions, new for old and cover for your personal money & credit cards.

The online quote engine is designed to be user friendly and an instant quotation is available within minutes for cheap tenants contents cover.

Contents Household goods and personal property, within the home, which are your property or which you are legally liable for.

Contents include:

• tenant’s fixtures and fittings
• carpets owned by the tenant
• tenants radio and television aerials, satellite dishes, their fittings and masts which are attached to the home
• property in the open but within the premises up to £250 in total (other than radio
  and television aerials, satellite dishes, their fittings and masts which are attached
  to the home)
• tenants money and credit cards up to £300 in total
• deeds and registered bonds and other personal documents up to £1,500 in total
• stamps or coins forming part of a collection up to £1,250 in total
• gold, silver, gold and silver plated articles, jewellery and furs up to £2,500 or 10% of the sum insured for contents whichever is less, within the private dwelling
• domestic oil in fixed fuel oil tanks up to £1,000

Contents does NOT include:

• motor vehicles (other than garden machinery) caravans, trailers or watercraft or their accessories
• any living creature
• any part of the buildings
• any property held or used for business purposes