Protect your chilled cargo and valuable fridge truck! Get easy-to-understand refrigerated (fridge) truck insurance. Keep your business safe and your goods fresh. Simple quotes, clear coverage.
Truck Insurance — Comprehensive and Third Party, Trailer (Owned and Non-Owned), Downtime Cover, Marine Carriers, Public Liability.
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This page explains refrigerated truck insurance, highlighting its importance for businesses transporting temperature-sensitive goods and detailing typical coverage for the truck, refrigeration unit, and perishable cargo. It serves as a guide for those seeking to protect their cold chain operations.
Do you run a business that moves fresh food, medicines, flowers, or other goods that need to stay cold? Then you know how important your fridge truck is! But what if something goes wrong? Refrigerated (fridge) truck insurance is like a safety net for your business. It protects your valuable cargo and your truck if accidents, breakdowns, or other problems happen. We make getting this important insurance simple and easy to understand.
It's a special type of insurance made for trucks that have a built-in refrigerator or freezer unit. Think of it as a double safety net: it protects your truck and its very important cooling system, plus the valuable items you're carrying that need to stay cold.
If your business moves anything that must stay at a certain temperature, you need this insurance. This includes, but is not limited to:
While policies can vary, most refrigerated truck insurance plans generally include:
Getting the right insurance doesn't have to be complicated. We help you find simple, clear coverage so you can focus on your business, knowing your cold chain is protected.
We make truck insurance fast and easy at Shielded. Get a quote today.
Fill the quote form above, or call us on 1800 97 98 99.
Our team will procure competitive quotes.
Choose your option and recieve your policy documents.
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We can provide different levels of cover for transport operators
Questions about Refrigerated / Fridge Truck Insurance and General Enquiries
Regular truck insurance mostly covers the truck itself. Refrigerated truck insurance adds extra, crucial protection for the expensive cooling unit and the temperature-sensitive cargo inside, which regular policies usually don't cover. This specific coverage for spoilage or unit damage is vital.
Yes, policies specifically designed for refrigerated trucks typically include coverage for cargo spoilage due to mechanical breakdown of the refrigeration unit. This coverage is usually active if the unit was properly maintained. Always check your specific policy details for any limits or conditions.
Getting a quote is easy! You just need to provide some basic information about your truck (make, model, year), your business, and what types of goods you transport. We can help you compare different options to find the best policy for your needs and budget.
Truck insurance typically consists of liability coverage, cargo coverage, comprehensive coverage, and personal accident insurance. We can tailor options to suit you.
A few factors that can affect your premium include the type of vehicle you drive, your driving record, the type and amount of coverage you choose, and the amount of your excess also known as a deductible.
You can lower your truck insurance premium by increasing your excess, shopping around for the best rate by using us as your insurance broker (we do the work for you!), and maintaining a good driving record.
In the event of an accident or claim, you should contact your us or your insurer right away.
Yes, if you need full comprehensive coverage on the trailer you will need to list the trailer on your policy. Some policies will include some default coverage up to a certain limit (usually $50,000 to 100,000) but this is usually for a liability aspect only.
Yes, comprehensive truck insurance policies provide coverage for theft and fire.
Generally speaking, you will need to take out dangerous goods liability coverage for protection. These limits can range so it's important you talk to us.
It's important to note though that some policies will have radius limits on them depending what you declared when setting up the policy. If you go outside of this radius limit there may be extra excesses applicable or issues in a claim.
Shielded uses quite a few when we quote and compare. These include Zurich, NTI, HMIA, Penn, Global Transport (GT), ATL, CGU, Vero, Hollard, Allianz, and QBE. Keep in mind we're not limited to these insurers, others do exist. It all comes down to what type of truck it is and what the purpose the truck will be used for.
