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Beach huts are beautifully fragile in contrast to the big blue sea. We insure against tidal surges, inundation, flooding and storms too. We only ask that you help protect your hut by closing your shutters when it’s not in use.
We reward BHA members with a lower premium and no excesses. Don’t worry though, if there is not an association in your area your excess will only be £50 and there may be other discounts available, just speak to one of the team to find out more.
Not only will we rebuild your hut as new, we can also include the extra costs of debris removal and demolition. You just need to make sure you include the costs of rebuilding, demolition and debris removal in your sum insured. This means that if the worst should happen you have cover in place for a total rebuild. It’s likely these numbers may change over time so be sure to check current prices at least every two years and up date us.
We can insure wake boards, deck chairs, furnishings and other items you might keep in your hut. Just keep us up to date with the overall value you need to insure and we’ll do the rest. Just note, we can’t cover your electronic, audio or video equipment but you may find this is covered on your home insurance so it is always worth checking.
These are just some of the key features and exclusions, full details will be found in policy wordings. Show policy documents
We are the only beach hut insurance provider who handle claims ourselves. When you call you will be able to speak to a dedicated claims handler who can help you through the process from start to finish.
If you need to make a claim you can get started here. Download our claims form and fill it in with the details. If you can provide photographs of the damage it will help your claim along too.
Just beware that you must report a claim with in 30 days of it happening.
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There is one big difference between a beach hut and a beach chalet, a beach chalet has a licence to be slept in over night and a beach hut does not. Your local council will be able to let you know you if you are unsure.
You don’t need to insure your hut for the price you bought it for. You just need to find out a rebuild cost from your council, a local builder or your beach hut association. Make sure you ask for demolition and removal costs too.
Chalets are usually a different type of construction to beach huts and do not need shutters over the windows for cover to be valid.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
To find out more about PCL and direct debit payments, select Direct Debit.
To understand more about how PCL work together with Towergate, please read our Regulatory Information.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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