what is reefer breakdown insurance
Refrigerated truck insurance is commonly referred to as âreefer insuranceâ or âreefer breakdown insurance.â Itâs a type of truck insurance that protects against spoiled refrigerated cargo due to a breakdown in the refrigeration unit. You can also sometimes get a lower rate on reefer insurance if you are willing to pay a larger down payment, usually 10%-20% of the yearly amount. 2  Watch your credit. 3  You should also know that truck insurance companies are pulling credit scores for truckers.