Refrigerated Vans
Used for local metro deliveries of fresh produce, meals or medical items.
Insurance cover
Refrigerated Truck Insurance
Insuregroup acts as insurance brokers for businesses transporting temperature-sensitive goods, helping arrange refrigerated truck insurance through a network of insurers. We assist operators in reviewing options suited to their vehicles and delivery requirements.
- Licensed & Regulated Broker
- Steadfast Group Member
- 100+ insurance markets
- 2014
- Broking Since
- 5,000+
- Policies Arranged
- 100+
- Insurance Markets
- 5.0
- Google Rating (102)
- Home
- Refrigerated Truck Insurance
We work with a range of insurers and specialist heavy vehicle underwriters, including Zurich, Allianz, Lloyd’s, QBE, CGU, NTI, GT Insurance and UAA. (Policy terms and availability subject to underwriting assessment).
Insuregroup
Why Refrigerated Transport Businesses Trust Insuregroup
Insuregroup (AFSL No. 525491) has specialised in transport and heavy vehicle insurance since 2014. Our team understands the unique operational pressures faced by refrigerated truck operators, including temperature-sensitive freight, delivery timeframes, equipment reliability and spoilage-related risks, and brings extensive insight into transport, machinery and commercial vehicle insurance considerations.
Over the years, we’ve assisted businesses operating across food distribution, cold chain logistics, wholesale supply, hospitality and pharmaceutical transport sectors. Having supported more than 5,000 insurance policies nationwide, we understand the insurance considerations that can come with refrigerated transport operations, including refrigeration unit exposure, cargo handling, downtime risks and interstate freight movements. As a licensed and regulated Steadfast Group brokerage, Insuregroup provides tailored guidance and ongoing support for businesses operating within refrigerated freight and temperature-controlled transport industries.
Flexible payment plans may be available to help manage your premium and maintain uninterrupted cover.
Expert Advice
With knowledge across freight logistics and chilled transport, we assist refrigerated truck operators with reviewing insurance options that reflect their work environment and cargo needs.
Quick Quotes
Need cover fast? We can assist with obtaining quotes to support timely exploration of refrigerated truck insurance options. With access to a broad insurer network, we present refrigerated truck cover options suited to your vehicle, cooling setup and business requirements.
Policy Guidance
We help transport businesses understand policy terms, inclusions and exclusions so they can make informed insurance decisions.
Claims Support
If a claim occurs, our brokers assist with the process and work with insurers on your behalf.
Ready to Get a Quote?
Submit your details online in minutes. Our brokers will review your information and provide a range of available cover options based on how your business operates.
What Is Refrigerated Truck Insurance?
Refrigerated truck insurance applies to trucks fitted with cooling or freezer units used to transport temperature-sensitive goods. As insurance brokers, Insuregroup helps businesses explore refrigerated truck insurance options through a network of insurers and arrange cover suited to their vehicles and operations.
Types of Refrigerated Trucks That Can Be Insured
At Insuregroup, we work with a wide range of Australian businesses to explore insurance for refrigerated trucks of all types and sizes.
We commonly assist with vehicles such as:
Medium Rigid Trucks
Servicing supermarkets, food distributors and beverage suppliers.
Heavy Refrigerated Vehicles
Operating across state lines for long-haul cold freight.
Multi-Temperature Trucks
Equipped to carry both frozen and chilled goods in separate zones.
Vehicles With Built-In Refrigeration
Using integrated cooling systems for efficient temperature control.
Custom Builds With Data Loggers
Including temperature tracking or telematics for cold chain compliance.
Dual-Purpose Vehicles
Used for ambient and temperature-sensitive loads on rotating schedules.
Whether you operate a single refrigerated truck or a full fleet, Insuregroup can assist in comparing insurance options suited to your vehicle setup and delivery needs. As a Steadfast Insurance Group member, we access a broad panel of insurers to support businesses in finding cover that reflects their industry and risk profile.
Industries and Businesses We Work With
At Insuregroup, we help businesses transporting temperature-sensitive goods explore insurance options for refrigerated trucks.
Our clients typically include:
Food and beverage distributionbusinesses
Cold chain logisticsand freight operators
Supermarket and grocery supply distributors
Pharmaceutical andmedical product transport providers
Catering and hospitality suppliers moving perishable goods (businesses that cook and sell from the vehicle may need food truck insurance instead)
What to expect
Refrigeration Units, Spoilage and the Load
A refrigerated truck carries three separate risks: the vehicle, the refrigeration unit and the temperature-sensitive goods on board. A motor policy usually deals with the first, so it is worth checking how the other two are handled.
- The refrigeration unit. Include the unit and insulated body in the vehicle’s agreed value. Breakdown of the unit is generally not covered by the motor policy unless it is caused by an insured event; machinery breakdown cover may be available.
- Spoilage. Loss of stock after a unit fails is often a separate cover or extension. See our article on refrigeration breakdown and spoilage cover.
- The load. Damage to goods in an accident is usually a matter for goods in transit or carrier’s liability cover, not the motor policy.
- Temperature records. Data logger readings and maintenance records can support a claim.
What Does Refrigerated Truck Insurance Cover?
Refrigerated truck insurance is typically designed to provide cover for vehicle damage, third-party liability claims and certain losses related to refrigeration system failure. Exact coverage details will, however, vary by provider and policy selection.
Common inclusions may cover:
As experienced brokers in this field, we can guide you in comparing policy features that reflect your truck’s specifications, freight type and delivery demands.
What to expect
What Does Refrigerated Truck Insurance Not Cover?
While refrigerated truck insurance can assist with risk management, policies also contain exclusions that should be carefully reviewed.
Common exclusions may include:
- Use of the truck by an unlicensed or unauthorised driver
- Wear and tear or unresolved mechanical faults
- Use of the vehicle for purposes not listed in the policy
- Failure to service or maintain the refrigeration unit
- Cargo loss caused by incorrect temperature settings
- Claims for events outside the coverage period
Always review the Product Disclosure Statement (PDS) and associated documentation. Often complex and detailed, our team is available to assist you in understanding any policy conditions or limitations.
Request a quote
Request an Online Refrigerated Truck Insurance Quote
Please select from the options as required. You can select one or more options.
Complete the form below to receive a quote.
Completing the form usually takes 5 minutes.
Having trouble with the form? Contact Insuregroup
How it runs
Our Process
The Insuregroup Insurance Process – Insurance Solutions on Demand.
We’ve streamlined our process to make arranging insurance fast and straightforward. Simply complete our online quote form with a few details and we’ll compare options from our network of insurers. Most quotes are turned around within 24 hours.
Submit a Quote Request, Online or by Phone
Start by submitting a quote request through our online form or by calling our team. Provide your business and vehicle details, and we’ll begin sourcing the most suitable refrigerated truck insurance options for you.
We Source Competitive Quotes
We search a wide network of reputable insurers to find the most competitive and relevant policies for your refrigerated trucks, drivers and goods – typically within 24 hours.
Receive a Clear, Detailed Quote Summary
We present the available options in a clear, easy-to-understand email summary, outlining coverage, pricing and key inclusions tailored to your needs.
Finalise and Get Covered
Once you’re satisfied with the recommended policy, simply accept the quote. We’ll handle the paperwork and activate your cover quickly – often on the same day.
Refrigerated Truck Insurance Guides & Resources
View our latest guides on truck insurance, regulatory considerations and managing risk in transport operations.
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Your Broker
Stirling Sanderson, Principal Broker
Stirling set up Insuregroup in 2014 after many years as an insurance underwriter and broker. He oversees the day-to-day broking, negotiates with insurers for clients and helps with claims, for everyone from single-truck owner-drivers to large fleets of trucks and heavy plant.
- Qualifications
- Bachelor of Business, majoring in Insurance; Diploma of Financial Services (Australian Institute of Insurance and Finance)
- Experience
- Licensed authorised broker for over 10 years
- Authorised Representative No.
- 453069
Insuregroup have been very professional and prompt in dealing with the management of our insurances for the last 3 years.
Questions We Get Asked
Frequently Asked Questions
Is goods in transit insurance included with refrigerated truck cover?
Goods in transit insurance is not always included in a standard refrigerated truck policy. It may be offered as an optional extra, providing protection for cargo against theft, loss or damage while in transit. This can be particularly useful when transporting perishable or high-value items. We recommend carefully reviewing policy inclusions or speaking with a qualified insurance broker to assess whether this cover is available.
What does refrigerated truck insurance cost?
The cost of refrigerated truck insurance in Australia depends on factors such as vehicle type, refrigeration system, cargo type, delivery zones, claims history and level of cover. Premiums may vary between providers. For a more accurate estimate, it’s best to request a personalised quote based on your vehicle setup and business needs.
How can I get a quote for refrigerated truck insurance?
You can request a quote with us online or by phone. We’ll start by asking for a few details about your truck, how it’s used and your refrigeration setup. From there, we can assist you in comparing policy options and clarify inclusions to support your decision-making.
How long does the process take?
We aim to respond to every enquiry promptly. Our team can generally turn around a quote and bind a policy within 24 hours.
Can you produce certificates of insurance immediately?
Yes, we can provide electronic certificates of insurance for you in a prompt and timely manner. We do require payment prior to issuing the certificates, however.
Does Insuregroup shop around extensively?
Insuregroup has access to over 100 insurance markets available to us both nationally and internationally. We regularly scour the markets on our system to ensure that we are quoting the most cost effective and cover competitive crane insurance that the market has to offer. We understand that your needs are unique and we will deliver an insurance product that is tailored to suit you.
What if I need to know more about insurance covers?
Choosing an insurance policy is a significant investment – it is important that we deal with customers in an open and transparent way. If you feel you would like to learn more, we welcome you to email us at hello@insuregroup.com.au so our friendly team can answer any queries you may have.
Guides and articles
More on Refrigerated Truck Insurance
Refrigerated Truck Insurance: Fridge Breakdown and Spoilage
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