Refrigerated Van Insurance
- fridge, freezer and chilled vans
- You could save up to £668*
- Get Temporary fridge van insurance cover in minutes
Compare refrigerated Van and Truck insurance
A refrigerated van, or fridge van could be thought of as a mobile fridge. They are typically used in the transportation of perishable items, and you’ll frequently see them on the roads here in the UK, carrying deliveries to supermarkets or the local butcher.
Multi Quote Time works in partnership with QuoteZone who provide a simple form that, once completed, is submitted to a specialist panel of brokers. To get multiple quotes, select the Multiple Quotes button above and provide basic information to a panel of UK brokers.
What’s the best type of insurance cover for my fridge van?
If you are the owner of either a single van or fleet of vans, your food truck 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.
Businesses in the UK That Commonly Use Refrigerated Vans
Fridge vans are a requirement for many professions and trades. Below is a small selection of the most popular fridge van categories that the brokers can provide insurance for. Read our guide on finding the best refrigerated van for your business requirements
| Type of Business (Full Description) | Why They Need a Refrigerated Van (Full Explanation) |
|---|---|
| Catering Companies and Street Food Traders | These businesses must keep food at safe temperatures to comply with UK hygiene regulations. Refrigerated vans prevent food spoilage during transport to events, customers and venues. |
| Butchers and Fresh Meat Suppliers | Meat spoils quickly and must be transported in controlled temperatures to meet UK food safety and hygiene standards. |
| Fishmongers and Seafood Distributors | Seafood is extremely temperature-sensitive and requires strict chilled or frozen conditions during delivery to prevent bacterial growth and spoilage. |
| Greengrocers, Farm Shops and Fresh Produce Sellers | Fresh produce must be kept chilled to maintain quality, extend freshness and reduce spoilage during delivery routes. |
| Pharmaceutical and Medical Transport Companies | Medicines, vaccines and pharmaceutical goods must remain within strict cold-chain temperature ranges to stay safe, effective and legally compliant. |
| Florists and Flower Delivery Services | Fresh flowers wilt quickly without temperature control. Refrigerated vans preserve freshness, colour and presentation quality during delivery. |
| Meal Preparation and Fitness Food Businesses | Chilled meal deliveries must stay within safe temperature ranges during transit to maintain food safety and product freshness. |
| Ice Cream Vans and Frozen Dessert Sellers | Frozen goods must remain at very low temperatures to prevent melting and maintain product quality throughout the day. |
| Food Wholesalers and Bulk Food Distributors | Bulk quantities of chilled and frozen goods require reliable cold-chain transport to ensure products arrive safely, hygienically and in optimal condition. |
| Dairy Product Delivery and Distribution Businesses | Dairy goods perish quickly and must be transported at controlled temperatures to remain safe, fresh and compliant with UK food handling standards. |
| Medical Sample Transport and Laboratory Courier Services | Blood samples and laboratory specimens must remain at stable, regulated temperatures to maintain accuracy, avoid contamination and support clinical testing requirements. |
Lowering the cost of refrigerated van insurance cover
Below, we suggest some great ways to lower the cost of van insurance and find great value van insurance:
- Increase the excess – This is the amount that you would be liable for in the event of any claim that you may make. Increasing the excess amount can help you to reduce your premium, depending on how much you choose to increase it by.
- Improve the security – This is important, especially for expensive refrigerated vans. Speak with your insurance provider on improving van security. Follow advice by having an alarm and immobiliser installed. Also consider adding a GPS tracker to make recovery easier should it be stolen. When not in use, providing safe parking is recommended if you want to cut down costs.
- Get multiple quotes – Getting multiple quotes from a range of specialist fridge van insurance providers is one of the best ways to save money on van insurance and is incredibly easy to do.
Fridge truck insurance quotes tailored to your business requirements
Every business is different, and your insurance requirements would meet exactly with your business needs. The quotes provide by multiple brokers can be tailored to your actual refrigerated van insurance needs. Truck insurance is expensive, but measures can be taken to lower your annual premium. Lowering the number of claims by safe driving will make a big contribution to getting a better deal come renewal time.
Compare Refrigerated Van Insurance With Multi Quote Time
To find a good deal on refrigerated van insurance, start by comparing the market. The select panel of UK brokers can provide you or your business with quotes that can be tailored to your requirements. When it comes to arranging payment, most provider will offer no deposit van insurance which is effectively monthly van insurance, which tends to be slightly more expensive than paying for coverage in one lump sum
How to compare refrigerated van insurance with MultiQuoteTime
As easy as 1, 2, 3!
Provide details about the chill van to be insured
Details about the refrigerated van, including the make and model, its age, and estimated value to repleace and estimate of expected annual milleage
Provide insurance requirements
Type of cover required and any additional extras for example, public liability or legal protection insurance.
Provide details of any driver age restrictions
Details of divers if you choose an any-driver van insurance policy, restrictions will apply, such as over 25 or over 30.
*51% of consumers could save £685.51 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2025. The savings you could achieve are dependent on your individual circumstances.
- Updated: 25 April 2025
- Reviewed by Eamonn Turley Insurance Expert