Refrigerated vans and trucks generally consist of closed-back bodies with refrigeration units installed in the box cavity. These systems are mainly used in the transportation of perishable items that need to stay in a temperature-controlled environment.
Supermarket home delivery drivers are amongst the most common users of refrigerated vehicles, bringing fresh and even frozen products to customers wherever they are. Additionally, independent market traders like butchers and fishmongers will need to ensure that the produce they acquire daily remains fresh as it makes its way to their point of sale.
Unlike a typical van or truck, several additional elements are included to ensure refrigerated vehicles continue to operate properly. Not only must a temperature-control unit be installed, but also the interior requires suitable sealing and insulation to prevent the cold environment becoming compromised.
If the structure should ever suffer damage or if the refrigeration unit breaks down, your goods can be at risk of becoming spoiled. Furthermore, without a properly functioning van, you may end up suffering from loss of business over several days or weeks.
The legal minimum requirement for any vehicle on the road is to have Third Party cover in place, however many responsible drivers and operators will tend to favour securing a more comprehensive policy. This will provide cover for damages caused to your own van, as well as any cases where you’re deemed liable for damages to somebody else’s vehicle.
If you own a refrigerated van, it’s likely that you’ll be using it for business purposes rather than domestic or personal use. It’ll be a good idea to seek out suitable business or commercial van insurance too, as this can help to protect you and your business in case of any unforeseen mishaps.
With a refrigerated van, additional cover will be necessary to ensure you don’t lose out if the refrigeration unit malfunctions and needs to be repaired or replaced. Without suitable insurance in place you risk facing a hefty bill, as these units are fairly expensive. At least with the structure, fittings and electrical components covered, you should get peace of mind that any issue can be easily dealt with.
You may also want to consider insuring any goods you carry in your van whilst in transit. If your refrigeration system ever suffers a mechanical failure or if your van breaks down when you’re on the road, large quantities of perishable items are at risk of becoming spoiled. This can mean a sizeable financial loss for you or your clients, prompting even more spending if goods need to be replaced.
With few insurers capable of providing the level of specialist insurance required to cover refrigerated vans and trucks, it can be a struggle finding an appropriate policy at the best possible cost. This is where Arkwright Insurance Brokers can help, as we deal with a wide-ranging panel of different insurers, many of which are able and willing to provide the suitable specialist cover required.
To get started on finding the right insurance policy for your refrigerated van, you can speak to one of our knowledgeable team. Simply provide us with all the necessary details of your vehicle and your driving history, and we can discuss the level of insurance options with you before putting it to our panel of insurers to find you the best possible quote.
Call Arkwright today on 01204 392 525 or get in touch with us online. We strive to provide you with a specifically tailored insurance policy that meets your individual requirements at a competitive and affordable cost. With many previously satisfied customers, we’re certain we will be the right choice for you when finding your refrigerated van cover.