Refrigerated Van Insurance
Refrigerated Van Insurance — Cover for Temperature-Controlled Vehicles
Refrigerated van insurance is a specialist commercial motor policy for businesses that transport frozen and fresh products in temperature-controlled vehicles. Standard van insurance does not cover the specialist refrigeration equipment or the unique risks of transporting perishable goods. You need a policy that protects your vehicle, your refrigeration unit, your stock, and your liability to the public.
At UK Sure, we offer competitively priced refrigerated van insurance with fire cover and fixtures and fittings included as standard. Our policies cover the vehicle and all permanently installed refrigeration equipment. Optional extensions include breakdown and recovery, legal expenses, business interruption, loss of stock, frozen food cover, employer's liability up to £10 million, and public liability up to £5 million.
We insure refrigerated vans for restaurants, butchers, fishmongers, greengrocers, food and catering companies, pharmaceutical businesses, and florists. Whether you run a single van or a fleet, UK Sure will find the right cover.
Get a quote online or call us on 01323 416706.
Why Our Refrigerated Van Insurance
What's NOT Covered
Key Features of Our Refrigerated Van Insurance
Transporting perishable goods means your refrigerated van and its equipment are critical to your business. UK Sure provides specialist cover that protects against the risks standard van policies do not address.
Refrigeration Equipment Covered
All permanently installed refrigeration and insulation equipment is covered as standard — compressors, condensers, and temperature control systems.
Multiple Industries Covered
From restaurants and butchers to pharmaceutical companies and florists — we insure refrigerated vans across all sectors that transport temperature-sensitive goods.
UK Sure works with specialist commercial vehicle insurers who understand temperature-controlled logistics. Whether you deliver fresh produce daily or transport pharmaceuticals, our policies are built for the way you operate.
Frequently asked questions
1. What is refrigerated van insurance?
Refrigerated van insurance is a specialist commercial vehicle policy designed for businesses that transport temperature-sensitive goods in refrigerated or insulated vehicles. It covers the van, refrigeration equipment, and your liability. Call us on 01323 416706 for a quote.
2. What does refrigerated van insurance cover?
It covers vehicle damage, fire, theft, and your refrigeration equipment and fixtures as standard. Optional extras include public liability, employer's liability, breakdown and recovery, business interruption, and frozen food or stock cover.
3. Is stock or food spoilage covered?
Some policies offer optional cover for food spoilage caused by fridge or freezer breakdown. This is not included as standard but can be added to your policy. Ask our team on 01323 416706 for details.
4. Is public liability included?
Public liability can be added to your policy with cover up to £5 million. It protects you if a member of the public is injured or their property is damaged in connection with your business. Call 01323 416706 to add it.
5. What types of refrigerated vans do you insure?
We insure all types of refrigerated and insulated vehicles used by restaurants, butchers, fishmongers, greengrocers, catering companies, pharmaceutical businesses, and florists. Both single vehicles and fleets are covered.
6. Do I need employer's liability insurance?
If you employ anyone, employer's liability insurance is a legal requirement in the UK. Our policies offer cover up to £10 million. Call 01323 416706 to add it to your refrigerated van policy.