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 to buy via our website.
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What is refrigerated van insurance?
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 coverage 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.
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Why You Need Specific Refrigerated Van Insurance
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Legal Requirement
Driving a van for business purposes requires commercial vehicle insurance, not personal car insurance.
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Risk Management
Transporting fresh and frozen products involves working at various locations, potentially damaging customer property or injuring others, making liability coverage crucial.
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Vehicle & Equipment Protection
Your specialised refrigeration equipment is valuable and needs its own coverage to protect it from damage, theft, or loss.
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Are you a business looking for refrigerated van insurance?
At UK Sure you can get a quote online or speak with us over the phone on 01323 416706.
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Refrigerated Van Insurance with UK Sure
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.
UK Sure specialist refrigerated van insurance quotes provide:
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Affordable rates
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Reputable Insurers
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Full Fire Cover as standard
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Policyholders aged 21 and over
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Flexible payment options
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Access to a replacement Van in the event of a non-fault claim.
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Fixtures & fittings covered
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24-Hour Claim Line
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UK Based Call Handlers
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Cover for modified Vans
Top Tip
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?​
Frequently
Asked
Questions
What is refrigerated van insurance?​
It’s a type of commercial vehicle insurance specifically designed to cover temperature-sensitive handling businesses operating refrigerated vans.​
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What does refrigerated van insurance typically cover?
It can include vehicle damage, public liability, equipment, stock, and employer’s liability.
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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.
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Can I insure fixed equipment inside the van?
Yes, most policies offer cover for permanently installed equipment.
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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.​
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Do I need employer’s liability insurance?
If you have employees, it’s a legal requirement in the UK.
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Can I drive the van for personal use?
Only if your policy includes social, domestic, and pleasure use—check your terms.​
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​​​Do you have a question about refrigerated or fridge vans insurance?
Submit your question here
How our customers rate us
rmzn bykts
2025-11-06
I recently got my car insurance from here. They have very good and fast personnel. They communicate via WhatsApp, which is great. They also have much more affordable prices than other agencies in the market. I definitely recommend them. I will insure all my cars from here from now on.
subrahmanyam gokavarapu
2025-11-06
Extremely good service. Their guidance and quick response is really fantastic. Mr Nuno has helped me in understanding of insurance my detailed queries
Olasunkanmi Caleb
2025-10-24
Great service
Arkadiusz Skrzypczyk
2025-10-19
Highly recommend!
Junior Richards
2025-10-17
Very quick reliable service. No pressure no hassle would recommend to anyone 👌
Sarah Faithandlove
2025-10-06
Luana was amazing she happy answered all my questions anything I was unsure about she happy explained to me also giving me here name so If I needed anything to come straight to her which gave me confidence to move forward I would definitely recommend this company very well trained and polite staff 😊
Suhailulla Parappan padan
2025-09-28
Great and prompt service