Commercial Van Insurance -- The In's And Out's

u use your van for travelling to work or back, or aspastries and doughs which are uncooked or only
personal transportation, the tax laws view this use aspartially cooked; and pizza and pasta which contain
a benefit in kind. This means that you might findmeat, fish, or vegetables.
yourself liable to pay extra income tax.All packaged foods that you might transport under
In addition to this, all commercial vans must be coveredyour commercial van insurance policy must have
by adequate insurance. There are usually threespecial instructions on their labels regarding their
certificates issued by motor insurance providers tostorage. These instructions will tell you if you must
make sure your vehicle is covered.keep these items cold while transporting them. The
The first of these is the Certificate of Insurance, whichbasic requirement is that no one keeps any ingredients,
provides evidence that your van is insured. This israw materials, partially finished products, or finished
required by the Road Traffic Act.products at temperatures, which might allow bacteria
The second certificate is the Cover Note. This is whatand toxins to form if the products are susceptible to
you receive before the Certificate of Insurance. It actsthis formation.
as a temporary insurance policy and certificate ofSome foods may also have specific temperatures at
insurance.which they must be held. These are usually below 8
Last is the commercial van insurance Policy Document,degrees Celsius, or, in the case of warm foods, above
which states the terms and conditions yoursixty-three degrees Celsius, as appropriate. Some
commercial van insurance policy, is entered into under.foods are exempt in certain circumstances. These
This is something that you should be certain to readcircumstances include any foods, which may be kept
carefully. Modern policies have little to no small print orat room temperature for the duration of their shelf life.
over difficult language. If yours does, make sure thatAlso included are foods, which have been preserved,
your insurer explains them.such as canned or dried food. Some canned foods
Another UK law about commercial vehicles covers theare only pasteurized, and must be refrigerated, such
transportation of food. Since 1995, any food that hasas tinned meat. Foods, which must be matured or
not been cooked at home to be eaten privately hasripened at room temperature, are also exempt, such
been subject to temperature control regulations. Theseas cheese. Once they have properly matured, they
regulations cover all the steps in preparing food. Theseare stored chilled at the appropriate temperature. Also
include preparation, storage, handling, transportation,exempt are raw ingredients, which are meant to be
processing, sales, packaging, distribution, manufacture,cooked or processed in such a way that they will not
and supply.present a threat.
If the food involved is derived from animals, there areFood, which is to be sent through the mail, is exempt
additional regulations, specific to the product. Thisfrom the eight degrees Celsius rule. However, these
means that any vehicles used for the commercialfoods must be kept at a temperature that will not
transportation of these foods must allow forpose a hazard. There is some flexibility in these
temperature control. It is necessary to make sure thatregulations to allow for the loading and unloading of
the food maintains an adequate temperature while it isfood from vehicles to the place where it will be kept.
being transported. The kinds of foods that areAs long as it can be shown that the food does not
covered by the need for temperature control include allspend an undue amount of time outside of the
foods that could support colonies of harmful bacteriatemperature controlled commercial van, this is
or generate toxins if their temperature is not regulated.permitted.
These foods can fall into many different categories.The law also allows for some other, very limited
Some of these include dairy products; any foodscircumstances. These relate to the display and serving
containing eggs, meat, milk, fish, or derivatives of these;of food, and to manufacturer recommendations about
any foods which have been precooked, cereals andholding temperature on specific kinds of food. These
grains, vegetables and pulses, or sandwiches andare primarily advisory in nature, however, and specific
foods containing these; smoked and cured fish andinformation about them must be acquired from the
meat; and pre-prepared foods which are ready to eat,Department of Health.