Thermally insulating tarpaulin for commercial vehicles and swap bodies, in particular for team vehicles in the field of military, industry, technical assistance and the like, characterised in that on an inner side of the tarpaulin a plurality of individually designed insulating elements are arranged, - wherein the insulating elements are formed from at least one fleece piece and from at least one fabric piece formed correspondingly to the respective fleece piece, - wherein the fleece piece and the fabric piece are each in surface contact with one another via one of their sides, so that the insulating element has a fleece side and an outer side, - wherein the insulating element with its fleece side is in direct contact with the inner side of the tarpaulin; - and wherein the fabric piece of each insulating element has an area of between 3 and 15 % larger than the respective corresponding fleece piece, so that, when the fleece piece is placed centrally on the respective corresponding fabric piece, a circumferential projecting edge of fabric material is formed, via which the respective insulating element is connected in a material-locking manner to the inner side of the tarpaulin; - wherein the position of each insulating element on the inner side and the shape of each insulating element is determined with the aid of a two-dimensional plan (2D plan) for the positioning and shape for insulating elements arranged on the inner side of the tarpaulin, - wherein the 2D plan is created on the basis of a three-dimensional model (3D model) of the interior of a load compartment of the respective commercial vehicle, - and wherein folding areas are formed between the insulating elements, by means of which the tarpaulin can be folded in a planned manner. - wherein the insulating elements are formed from at least one fleece piece and from at least one fabric piece formed correspondingly to the respective fleece piece, - wherein the fleece piece and the fabric piece are each in surface contact with one another via one of their sides, so that the insulating element has a fleece side and an outer side, - wherein the insulating element with its fleece side is in direct contact with the inner side of the tarpaulin; - and wherein the fabric piece of each insulating element has an area of between 3 and 15 % larger than the respective corresponding fleece piece, so that, when the fleece piece is placed centrally on the respective corresponding fabric piece, a circumferential projecting edge of fabric material is formed, via which the respective insulating element is connected in a material-locking manner to the inner side of the tarpaulin; - wherein the fleece piece and the fabric piece are each in surface contact with one another via one of their sides, so that the insulating element has a fleece side and an outer side, - wherein the insulating element with its fleece side is in direct contact with the inner side of the tarpaulin; - and wherein the fabric piece of each insulating element has an area of between 3 and 15 % larger than the respective corresponding fleece piece, so that, when the fleece piece is placed centrally on the respective corresponding fabric piece, a circumferential projecting edge of fabric material is formed, via which the respective insulating element is connected in a material-locking manner to the inner side of the tarpaulin; - wherein the position of each insulating element on the inner side and the shape of each insulating element is determined with the aid of a two-dimensional plan (2D plan) for the positioning and shape for insulating elements arranged on the inner side of the tarpaulin, - wherein the 2D plan is created on the basis of a three-dimensional model (3D model) of the interior of a load compartment of the respective commercial vehicle, - and wherein folding areas are formed between the insulating elements, by means of which the tarpaulin can be folded in a planned manner.