Refrigerated Van Insurance

Meet the team

My name is Tiago.
How can I help you?

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 Vehicle Cover, 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, Vehicle Cover will find the right cover.

Get a quote online or call us on 01323 416706.

Why Our Refrigerated Van Insurance

1. Comprehensive, TPFT, or third-party only cover

2. Fire cover included as standard

3. Refrigeration equipment and fixtures covered as standard

4. Public liability up to £5 million available

5. Employer's liability up to £10 million available

6. Modified refrigerated vans accepted

What's NOT Covered

1. Personal use unless declared on the policy

2. Wear and tear or mechanical breakdown of refrigeration units

3. Stock spoilage from equipment failure (optional add-on available)

4. Items left unattended outside the locked van

5. Vehicles used for hire and reward

Key Features of Our Refrigerated Van Insurance

Transporting perishable goods means your refrigerated van and its equipment are critical to your business. Vehicle Cover 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.

Vehicle Cover 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.

Restaurants, butchers, fishmongers, and greengrocers

Pharmaceutical and medical deliveries

Replacement keys and locks cover up to £300

Fleet discount for two or more vehicles

● DETAILS

Additional Refrigerated Van Insurance Details

More About Refrigerated Van Insurance

At UK Sure, we offer competitively priced refrigerated and fridge vans insurance.

Refrigerated van insurance is a specialised type of business van insurance that covers the vehicle itself, the refrigeration equipment, and any liability for property damage or injury to third parties or employees. It is available tobuyvia our website.

Refrigerated van insurance is a specialised commercial motor policy for businesses who trasport frozen and fresh products that covers its unique risks associated with operating this service. It includes cover for the van itself, the professional equipment inside, potential liability from accidents or injuries clients and members of the public, and offers options for business interruption and professional negligence claims. This type of policy provides comprehensive protection for both the vehicle and the service provided at various locations.

Driving a van for business purposes requires commercial vehicle insurance, not personal car insurance.

Transporting fresh and frozen products involves working at various locations, potentially damaging customer property or injuring others, making liability cover crucial.

Cover for fixtures and fittings as standard

Vehicle & Equipment Protection

Your specialised refrigeration equipment is valuable and needs its own cover to protect it from damage, theft, or loss.

Are you a business looking for refrigerated van insurance?

At UK Sure you can get aquote onlineor speak with us over the phoneon01323 416706.

Whether you run food and beverage business with the need to transport temperature-sensite goods a supplier needing to deliver fresh produce daily it’s essential to have the right cover in place. UK Sure offers specialist insurance policies designed to protect vehicles with custom conversions and modifications.

If you are a Specialty Food Businesses, staying on the road is key to keeping your business running smoothly. A breakdown or accident that puts your van out of action can seriously disrupt your income and lead to costly repairs — making the right insurance all the more important.

Access to a replacement Van in the event of a non-fault claim.

Full Fire Cover as standard
Policyholders aged 21 and over
Flexible payment options
Fixtures & fittings covered
UK Based Call Handlers

Cover for modified Vans

You can protect five or more years of NCD for free. Also, why not ask one of our specialists to provide a breakdown cover quote for your van?

Food and Catering Companies
Pharmaceutical Sector
Florists and Horticulturists
Up to £300.00 Replacement Keys & Locks Cover
Up to £500.00 Signage Cover
Up tp £500.00 Audio Equipment Cover
Satellite Navigation Equipment Cover

● FAQS

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.

7. What does refrigerated van insurance typically cover?

It can include vehicle damage, public liability, equipment, stock, and employer’s liability.

8. Is public liability included in refrigerated van insurance?

Often yes, but it depends on your policy. It’s highly recommended to protect against claims from the public.

9. Can I insure fixed equipment inside the van?

Yes, most policies offer cover for permanently installed equipment.

10. Do I need special insurance if I park the van overnight in public areas?

Some insurers may require additional security or charge higher premiums—always disclose parking details.

11. Can I drive the van for personal use?

Only if your policy includes social, domestic, and pleasure use—check your terms.