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Compare van, motorbike & gadget insurance (UK, 2026)

Van premiums average £432 (down 14% year-on-year), motorbike cover averages £297, and phone/gadget insurance starts around £2–15 a month depending on device value.

How to read this page: Typical prices below are researched UK market figures (sources such as the ABI premium trackers and major comparison-site indices), correct as of June 2026 — your own quote will vary with age, location, cover level and history. Ratings are indicative editorial scores. Some buttons are affiliate links: we may earn a commission if you get a quote or buy, at no extra cost to you. See our guides for deeper reading.
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UK van, bike & gadget insurance compared

Van: £432/yr · Bike: £297/yr (2026)

Three niches, one rule: the cheapest policy with the wrong use class (vans), no mods cover (bikes) or no loss cover (phones) is wasted money.

Admiral Van

★★★★☆8/10
Direct insurer
£350–£550
per year, typical comprehensive
  • Carriage-of-own-goods cover
  • MultiCover with cars
  • Courtesy van option
  • No-claims discounts
Get a Quote

Direct Line Van

★★★★☆8/10
Direct insurer
£380–£580
per year, typical comprehensive
  • Not on comparison sites
  • Business use classes explained simply
  • Guaranteed repairs
  • Tools-in-transit add-on
Get a Quote

Carole Nash

★★★★☆8/10
Bike specialist
£250–£450
per year, typical comprehensive
  • 200k+ bikes insured
  • Agreed value options
  • Helmet & leathers cover
  • Rideout breakdown included on many policies
Get a Quote

Bikesure

★★★★☆8/10
Niche bike specialist
£250–£500
per year, typical comprehensive
  • Specialist & modified bikes
  • Classic, custom and niche cover
  • Multi-bike policies
  • Part of Adrian Flux group
Get a Quote

loveit coverit

★★★★☆8/10
Gadget partner
From £1.99
per month, phone/gadget
  • Phone & gadget specialist
  • Theft, loss & accidental damage
  • Cover within 24h of purchase or later
  • Multi-gadget discounts
Get a Quote

Insurance2go

★★★★☆7/10
Gadget cover
From £2.99
per month, phone/gadget
  • Phones, tablets, laptops
  • Worldwide cover included
  • Unlimited claims on some plans
  • Instant cover online
Get a Quote

Van or bike due for renewal? Run one comparison and check the market in minutes.

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What to compare before you buy

  • Van use class is everything: 'carriage of own goods' ≠ 'hire & reward' (courier work). The wrong class voids claims.
  • Tools-in-transit cover for trades — check overnight-in-vehicle exclusions.
  • Bikes: agreed value and declared modifications keep payouts honest; helmet & leathers cover is a cheap add-on.
  • Phone insurance: 'loss' cover is the differentiator — many cheap policies cover theft and damage but not loss.
  • Check for duplicate gadget cover in packaged bank accounts and home contents before buying standalone.
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For US visitors

For visitors in the United States — typical costs shown are US national averages (Bankrate, NerdWallet, KFF, NAPHIA and similar, as of 2026). Links may be affiliate links. US commercial auto for vans is typically bundled with business policies; phone protection plans (e.g. AKKO from $15/mo covering a phone plus 25 items, SquareTrade from ~$8.99/mo) are the gadget equivalents.

AKKO

US
From $15
per month
  • Phone + 25 personal items
  • Theft and accidental damage
  • Student discounts
Visit Site

Liberty Mutual

US
Varies
commercial auto
  • Commercial vehicle policies
  • Bundle with GL/BOP
  • Agent support
Visit Site

Frequently asked questions

Why is third-party van insurance sometimes dearer than comprehensive?

Same effect as cars: risk pools. Median comprehensive van cover ran £433 vs £535 for third-party-only in recent indices — always quote both.

Do I need special insurance for courier or delivery work?

Yes — 'hire & reward' cover. Standard social-domestic or carriage-of-own-goods policies exclude paid delivery work, including food-app gig work.

Is phone insurance worth it versus self-insuring?

For flagship phones (£1,000+) with loss cover and a low excess, often yes. For older devices, check your home contents personal-possessions cover first — you may already be covered.