5/5 - (1 vote)


Refrigerated trucks are a vital part of the supply chain for businesses that transport perishable goods. However, operating these trucks comes with unique risks, which is why refrigerated truck insurance is essential to protect your business and your cargo.

What is Refrigerated Truck Insurance?

Refrigerated truck insurance is a specialised type of commercial vehicle insurance that covers the risks associated with operating refrigerated trucks. It provides protection for your truck and your cargo against losses that can occur due to accidents, theft, or damage caused by temperature fluctuations.

Refrigerated truck in the garage

Why do you need Insurance for your Refrigerated Truck?

If you operate a business that involves transporting perishable goods, this insurance is essential. Here are some of the reasons why:

  • Protection against losses: Refrigerated truck insurance provides coverage for any losses incurred due to accidents, theft, or damage caused by temperature fluctuations. This can save your business from significant financial losses.
  • Compliance with regulations: In Australia, it is mandatory for businesses that operate refrigerated trucks to have insurance coverage. Failure to comply with these regulations can result in fines or other penalties. The Australian government has specific regulations in place for the transportation of perishable goods, including temperature-controlled products. To comply with these regulations, businesses that operate refrigerated trucks must have adequate insurance coverage to protect their cargo against any damage or spoilage that may occur during transit.
  • Peace of mind: Refrigerated truck insurance gives you peace of mind knowing that your business and your cargo are protected against unforeseen events.

Types of cover:

There are different types of insurance policies available, depending on your specific needs. The most common types of cover include:

  • Comprehensive cover: This is the most extensive type, covering your vehicle and cargo against damage, theft, and temperature fluctuations.
  • Liability cover: This type of cover provides protection against claims made by third parties for bodily injury or property damage resulting from an accident involving your refrigerated truck.
  • Cargo cover: This type of cover specifically protects your cargo against damage, theft, or spoilage caused by temperature fluctuations.
  • Breakdown coverage: This covers the cost of repairs or replacements for your refrigeration equipment in case of a breakdown.

Why Choose Truck Insurance HQ

Truck Insurance HQ is a leading insurance brokerage firm specializing in commercial vehicle insurance, including refrigerated truck insurance. Here are some reasons why you should choose Truck Insurance HQ:

  • Tailored solutions: We provide personalized insurance solutions tailored to your specific needs.
  • Competitive pricing: We work with a wide range of insurers to ensure that you get the best possible coverage at a competitive price.
  • Experienced brokers: Our team of experienced brokers is dedicated to helping you find the right insurance coverage for your business, and we’re always available to answer any questions you may have.
  • Claims support: In the event of a claim, we’ll work with you to ensure that the process is as smooth and hassle-free as possible, minimizing any disruption to your business.

In conclusion, refrigerated truck insurance is essential for any business that operates refrigerated trucks. It provides protection against the unique risks associated with transporting perishable goods, ensuring that your business and your cargo are always protected.

If you’re looking for the right commercial truck insurance coverage for your business, Truck Insurance HQ is the right partner for you. Call 1800 815 344 or get a FREE quote now.

get a free quote button



Quick Quote Form

Blog Feed

Bobcat Insurance Broker Guide

Bobcat Insurance Broker Guide

Do you own a skid loader or any high-powered engine machine? If you own one of these well-crafted products of Bobcat, a recognized manufacturer of compact equipment, you better safeguard your investment with a reliable Bobcat insurance policy. Below are some...

read more


In Australia, all registered vehicles must have compulsory third-party insurance. Here is why you need truck green slip insurance.  What is Green Slip Insurance? Truck Green Slip Insurance, also known as CTP (compulsory third party) or MAI (motor accident injuries)...

read more