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Ice cream van insurance costs often deter entrepreneurs from entering this business at all. Why? Because the liability is so high. Ice cream vans attract children. Children behave foolishly on the road, particularly when distracted by bright-coloured panels advertising tasty treats. Though accidents involving ice cream vans are rare, the relative cost of one tends to be very high indeed. For this reason, even high-deductible insurance coverage can be relatively expensive.
* It pays to shop around for your ice cream van insurance. While you should never purchase insurance from a fly-by-night company, you should try to get the best possible deal for your money.
* If you are the only driver of your ice cream van and you have a stellar driving record, use this to deal with the insurer. For most companies, insurance rates are not permanently set. And if you're purchasing ice cream van insurance from an agent rather than on a computer, you may be able to work with him to get a much better deal than you otherwise could get just by demonstrating how low a risk you really are.
* Maintain your excellent driving record to keep your ice cream van insurance rates low. One accident, especially one involving a child, can send your rates to the stratosphere. Always be vigilant.
* After two or three years with no accident and the same ice cream van insurance company, renegotiate your rates. The insurer does not want to lose a good customer with low risk, and you want to pay less money. By dealing directly to lower your rates, you can both win.
* Use the same insurance company for everything, from home insurance to business insurance. If you are working with the same agent to get your ice cream van insurance and your home insurance, he can better assess your realistic risk, and is likely to give you a discount. Still, don't hesitate to shop around for other deals if you think you can get a better one.
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