Refrigerated haulage presents unique insurance challenges that often require specialist cover tailored to the type of goods being transported.

At Avis Insurance, we specialise in arranging insurance for:

• Refrigerated haulage operators
• Chilled and frozen transport businesses
• Temperature-controlled logistics operators
• Owner drivers
• Fleet operators

With over 40 years’ experience in the commercial vehicle sector, we understand the risks associated with refrigerated transport and can help arrange cover tailored to your operation.

👉 Speak to a specialist today on 01628 662666

Insurance for Refrigerated Haulage Operators

Operators transporting chilled or frozen goods often face increased exposure due to:

• High-value cargo
• Perishable goods
• Strict delivery schedules
• Temperature-sensitive loads
• Contractual requirements

Insurance arrangements should reflect the specialist nature of refrigerated transport operations.

What Insurance Does a Refrigerated Haulage Operator Need?

HGV / Truck Insurance

We can arrange cover for:

• Refrigerated HGVs
• Temperature-controlled trailers
• Articulated vehicles
• Rigid refrigerated vehicles
• Single vehicle owner drivers
• Larger fleets

Policies can include:

• Comprehensive cover
• Third Party Fire & Theft
• Hire and Reward use
• European extensions where required

Goods in Transit Insurance

Goods in Transit insurance is particularly important for refrigerated haulage businesses due to the value and sensitivity of the cargo being transported.

We can arrange:

• RHA conditions cover
• All Risks Goods in Transit insurance
• Enhanced indemnity limits
• CMR cover for European operations

This may be particularly important where operators carry:

• Chilled food products
• Frozen goods
• Pharmaceuticals
• Temperature-sensitive cargo

Temperature-Controlled Risks

Refrigerated transport may involve additional risks, including:

• Refrigeration unit failure
• Spoilage of goods
• Delayed delivery issues
• Temperature variation claims

Different insurers may approach these exposures differently, making specialist advice important.

Public and Employers’ Liability Insurance

We can also arrange:

• Public Liability insurance
• Employers’ Liability insurance
• Legal Expenses cover
• Breakdown assistance

These covers are often required by contracts, warehouses and logistics providers.

Common Challenges in Refrigerated Haulage

High-Value and Perishable Cargo

Many refrigerated operators transport goods that:

• Have strict shelf-life requirements
• Are highly time-sensitive
• Can deteriorate quickly if refrigeration fails

This can increase the potential value of claims.

Contractual Requirements

Food and logistics contracts may impose:

• Specific Goods in Transit limits
• Liability requirements
• Strict operating standards
• Temperature management obligations

Ensuring policies align with contractual obligations is essential.

Fleet and Operational Risks

Refrigerated fleets may also face:

• Higher repair costs
• Specialist trailer maintenance
• Increased downtime exposure
• Driver and route management challenges

Why Use a Specialist Haulage Insurance Broker?

Refrigerated haulage is a specialist sector within the transport industry and insurers assess these operations carefully.

At Avis Insurance, we:

• Understand temperature-controlled transport operations
• Work with specialist insurers and underwriters
• Arrange tailored haulage insurance solutions
• Help ensure policies reflect the work you actually carry out

👉 Providing advice based on the realities of refrigerated transport operations.

Why Choose Avis Insurance?

• Over 40 years’ experience in haulage insurance
• Access to leading UK insurers and specialist underwriters
• Expertise in specialist transport sectors
• Tailored cover for owner drivers and fleets
• Direct, personal service from experienced brokers

Frequently Asked Questions

Do refrigerated haulage operators need specialist insurance?

In many cases, yes. Refrigerated haulage can involve additional risks linked to temperature-sensitive and high-value goods.

Is Goods in Transit insurance important for refrigerated transport?

Yes. Goods in Transit cover is often essential due to the value and sensitivity of chilled or frozen cargo.

Can you insure refrigerated owner driver operations?

Yes. We regularly arrange cover for owner drivers and smaller operators working within temperature-controlled logistics.

Do refrigerated operators require All Risks cover?

This depends on the type of cargo carried and contractual obligations. Higher-value goods may require broader protection.

Get a Quote for Refrigerated Haulage Insurance

Whether you operate a single refrigerated vehicle or a larger temperature-controlled fleet, we can help arrange insurance tailored to your business.

👉 Call 01628 662666
👉 Speak directly with a specialist today

Temperature-controlled transport is one of many specialist sectors we support.

👉 Learn more about our haulage insurance services