What Should Your Reefer Truck Insurance Policy Cover? Insurance policies do vary. There’s always a special insurance to cover a particular client’s insurance needs. Among the insurance policies highly favored by drivers owning refrigerated transport vehicles is the Reefer truck insurance policy, or Refrigerated truck insurance. Reefers are used in delivering highly perishable goods like dairy products, fruits, vegetables, fish products including other seafood products.. So, what’s good about this insurance policy? I’m going to share with you some relevant information on the full coverage of this insurance.
What is Reefer truck insurance? Reefer truck insurance is a type of insurance policy that caters to owners of transport vehicles with customised refrigeration or cooling systems designed to preserve the freshness of food items that are considered to spoil easily while on a delivery journey. The extent of coverage of this type of insurance usually addresses the day-to-day challenges that owners of these refrigerated vehicles experience like spoilage of goods, road collision or total breakdown.
What is the coverage of a Reefer truck insurance policy? A comprehensive Reefer truck insurance policy generally covers the following issues:
Major breakdown Just like any cargo or transport truck intended for daily deliveries, this refrigerated transport vehicle is also prone to major breakdown. That’s the main reason why many business owners owing this type of vehicle would like to get the Reefer truck insurance policy because it provides protection coverage in events of financial losses encountered due to an engine failure or faulty cooling system. The client covered under the Reefer truck insurance can file a claim based on this unavoidable event.
Loading and unloading issues Accidents do happen when you are about to load or unload cargo. The Reefer truck insurance policy assures you are protected for perishable goods damaged while being loaded or unloaded from your cargo truck.
Removal of unwanted debris When your transport truck is off the road, accidents do happen beyond your control like a major collision. As a result of this accident, unwanted debris from your Reefer truck could cause traffic along the road. If this happens, expect your Reefer truck insurance to help you finance the cost for removal of debris.
Cargo loss Another guaranteed coverage of a comprehensive Reefer truck insurance policy is cargo loss. Here, the client with a Reefer truck insurance policy can receive compensation for any earnings lost during a cargo loss.
Collision and comprehensive