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Refrigerated Vehicle Insurance

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Refrigerated Vehicle Insurance

Keep things cool no matter what with a tailored refrigerated vehicle insurance policy.

Fill out our short form or call us on 03333 440 129

What is refrigerated vehicle insurance?

Refrigerated vehicle insurance is a specialist insurance policy designed to protect refrigerated vehicles and their owners against unexpected incidents that might damage the vehicle, its contents or the business or businesses affiliated with the vehicle.

Do I need refrigerated vehicle insurance?

Every vehicle that is on the road is legally required to have, minimally, third party insurance. We’d strongly advise on more cover than this for refrigerated vehicles as there are many risks associated with transporting refrigerated goods and so it is vital that you are prepared and covered for any eventuality.

What does refrigerated vehicle insurance cover?

All vehicle insurance policies are available as third party only, fire and theft or fully comprehensive, meaning that you can choose whether you insure your own refrigerated vehicle in the event of an accident or whether you just insure against the damage sustained by a third party.

We would recommend fully comprehensive insurance as it provides the vital cover any vehicle would need if it were to be involved in an accident.

Refrigerated vehicle insurance will usually also include employer’s liability cover, which is a legal requirement if you employ anyone to drive your vehicle, even if they work as a freelancer or they are a volunteer or casual worker.

You can also choose to include additional covers such as cover for the stock inside the vehicle, personal accident cover if you were injured and unable to continue working, breakdown cover and product liability insurance.

Tailored refrigerated vehicle insurance quote

For more information or to get a quote for your very own refrigerated vehicle insurance tailored to your exact needs, get in touch with one of our experienced insurance brokers today. Fill in the form below or call us directly on 03333 440 129.


Working alongside One-Direct is a real joy. They are very helpful to us at Care after Combat in providing insurance solutions and advice that meet our needs. As a charity, we find their products reliable and more importantly they deliver… they do what is says on the tin!

Jim Davidson OBE “”