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Refrigerated Van Insurance

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 Tesco Van Insurance 

Simply put refrigerated vans have a closed back van with a refrigeration system in the box section. They are typically used in the transportation perishable items and you’ll frequently see them on the roads here in the UK, carrying deliveries to supermarkets or the local butcher. Many brokers provide van insurance including Tesco, Aviva and Churchill's 

What’s the best type of insurance cover for my fridge van?

If you are the owner of either a single or fleet of refrigerated vans your insurance should cover at the very least third party. Also you should have coverage that will protect you from any liability in the event that the refrigeration unit breaks down. If this should happen any perishable goods inside could very possibly be ruined and will have to be replaced at either at your cost or the cost of your client. If you have the correct cover your insurance company will cover costs of replacement.

Tesco van Insurance

Refrigerated Van Insurance Companies

If you have been shopping for insurance, you’ve most likely found out that there are many insurance companies such as Tesco van insurance offering cover for refrigerated vans. Refrigerated cargo requires a special type of cover that not all agents are familiar with. You also may have found out that premium rates for refrigerated vehicles are higher than those for other types of commercial vehicles. Reason for this is simply that there are more risks that are associated with reefer drivers.

Fridge vans are a requirement for many professions and trades and we can provide cover for them all. Below is a small selection of the most popular fridge van categories that we are asked to insure 

  • Food Delivery Vans
  • Catering
  • Fish Mongers
  • Butchers

Reefer Breakdown

In addition to typical liability cover, refrigerated van insurance will commonly come with ‘reefer breakdown insurance’. This is a type of cover that protects against spoilage of refrigerated cargo caused by a breakdown in the refrigeration unit. This could either be because of a mechanical breakdown or because of an accident that causes the reefer to fail.

A van driver who hauls refrigerated freight has to constantly worry/think about their reefer unit breaking down. Produce such as apples can usually be saved. However, if you’re hauling meat, seafood, or ice cream you cannot afford a break down. If it takes longer than expected for you to find a mechanic who will fix your reefer, the freight can go bad.

Other Spoilage

Your reefer does not have to break down for your cargo to spoil. Sometimes not so proper companies will ship food that is about to expire. In situations like this, the receiver may reject the shipment altogether.


It’s all about simple physics. When something the size of your van gets into an accident, it can cause a lot of damage. It is for this very reason that all commercial van insurance policies are expensive. When a semi or box truck collides with a passenger car, the likelihood of serious injuries is indeed greater than it is with most accidents.


Make sure that you take the time to read the fine print on your refrigerated van insurance policy in order to find which goods are excluded from coverage. Your policy may specifically state that it does not cover any type of seafood, including shellfish and fish. It might also state that any frozen foods are excluded. Some of the typical exclusions for cargo hauled in refrigerated vans are:

  • Meats

  • Seafood

  • Tobacco Products

  • Pharmaceuticals

So, it goes without say, prior to picking up a load, make sure you are indeed covered. There are van insurance companies that will sometimes allow a special trip endorsement if you should come across a lucrative load which is excluded on your policy.

Refrigerated Van Insurance

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