Refrigerated Truck Insurance Brokers

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.

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).

Why businesses trust Insuregroup

Founded and led by Stirling Sanderson, Insuregroup (AFSL No. 525491) has specialised in truck and transport insurance since 2014. A second-generation insurance professional with more than 15 years of industry experience, Stirling understands the risks Australian truck operators face on the road and in their business. Building on a family legacy that helped establish UAA, one of Australia’s largest heavy equipment underwriters, he brings a unique depth of knowledge across the transport and machinery sectors.

Having worked with everyone from owner-drivers to large fleet operators, we’ve assisted with more than 1,000 insurance policies nationwide since our inception. Our understanding of transport operations helps us guide clients through the insurance considerations that come with running trucks and heavy vehicles across Australia. As a licensed and regulated Steadfast Group brokerage, we follow rigorous compliance standards and deliver trusted advice and support when you need it most.

MONTHLY INSTALMENTS

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.

RANGE OF 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.

Real Customer Reviews

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.

Start Your Quote

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:

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Refrigerated vans

Used for local metro deliveries of fresh produce, meals or medical items.

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:

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Food and beverage distribution businesses

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Cold chain logistics and freight operators

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Supermarket and grocery supply distributors

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Pharmaceutical and medical product transport providers

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Catering and hospitality suppliers moving perishable goods

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:

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Accidental damage, theft or fire

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Public liability for injury or third-party property damage

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Spoilage due to equipment failure or breakdown

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Mechanical or electrical malfunction of the cooling unit

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Incidents during loading, unloading or transit

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Windscreen and glass replacement

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Optional add-ons like vehicle hire or cargo 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 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:

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Use of the truck by an unlicensed or unauthorised driver

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Wear and tear or unresolved mechanical faults

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Use of the vehicle for purposes not listed in the policy

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Failure to service or maintain the refrigeration unit

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Cargo loss caused by incorrect temperature settings

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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 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 click here

Step 1 of 2

Name(Required)

First Last

Phone(Required)

Email(Required)

Do you have an active ABN?(Required)

Please advise your ABN(Required)

Please select your occupation(Required)

What do you transport?(Required)

What do you construct?(Required)

Do you transport dangerous goods?(Required)

Do you transport refrigerated?(Required)

What sort of tradesman are you?(Required)

What do you manufacture?(Required)

What sort of drilling do you do?(Required)

Please describe your occupation(Required)

How many employees in your business? (Including working directors/owners)(Required)

How many items are you looking to insure?(Required)

Please describe the TRUCKS / TRAILERS / MACHINERY / VEHICLES you are looking to get insured. Please include as much detail as possible including YEAR MAKE MODEL REGO (if available) AND VALUE EXCLUDING GST. Please also include the item TYPE such as prime mover, crane, excavator, tipper truck, skip truck. Thankyou.(Required)

Did you include the ex gst value of the items in the description above?(Required)

Where are these items mostly garaged/stored?(Required)

Street Address Suburb Postcode

Are you currently insured for any of the above items?(Required)

Are you with an insurer directly or with an insurance broker?(Required)

Do you know who your insurer is?(Required)

Do you know who your insurer is? (not the broker)(Required)

Please advise who your insurer is(Required)

Please advise the insurance status of the above items(Required)

Do you have insurance on any other similar items currently?(Required)

Have you held insurance on any other similar items in the last 3 months?(Required)

Do you intend to dry hire (without operator) any of these items in the next 12 months?(Required)

Will you ensure to have a hire rental agreement / formal terms and conditions for the dry hire?(Required)

Do you need a quote for public liability insurance?(Required)

Do you need a quote for carriers / load insurance?(Required)

Have you or any of your operators/drivers or subcontractors had any criminal convictions which are less than 10 years old(adult), 5 years old (juvenile) or if outside of these years any convictions that have had a prison sentence greater than 30 months?(Required)

Have you or any partners or directors ever been declared bankrupt in the last 10 years?(Required)

Have you or any partners/directors had any policies cancelled/declined or special terms imposed?(Required)

Have you (company and/or director), or any person who will drive any of your vehicles / plant had any motor claims or accidents in the last 5 years?(Required)

In the past 5 years have you or any of your drivers had:- any license suspended, cancelled or amended to provisional; or any alcohol or drug conviction; or any dangerous driving offence; or any offence involving or interfering with a speed limiter?(Required)

How urgent is the insurance?(Required)

How did you hear about Insuregroup?(Required)

If you have the purchase invoice for the items or any documents relevant you can upload them here

Max. file size: 128 MB.

Would you like to make any further comments before submitting the request? We will send you an email as soon as possible.(Required)

Please enter your comments/requests here(Required)

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.

01

Submit a Quote Request
Online or Call Us Directly

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.

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02

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.

03

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.

04

Finalise
& 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.

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 believe in providing our customers with excellent customer service and to guarantee you the most targeted service we strive to respond to your needs with upmost urgency. 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 give us a call on 1300 760 552 so our friendly team can answer any queries you may have.

Refrigerated Truck Insurance Guides & Resources

View our latest guides on truck insurance, regulatory considerations and managing risk in transport operations.

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Insuregroup: Experts in Insurance

Specialist insurance broker
Exclusive coverage and premium rates
Access to over 100 national insurance markets

Request a Quote Online

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