We're here to protect your beach side home away from home and your favourite holiday items. Our Beach Hut Insurance provides all the cover listed below:
Damage to the structure, including fixtures, fittings and contents
Storm, flood and fire damage cover for when the weather gets rough
Theft, attempted theft and vandalism cover
Accidental damage to cover those little mishaps
Up to £5 million property owner's liability cover
Loss of rent, licence fee or ground rent payable or receivable by you should your beach hut be out of action or you don't receive a payment
Don't forget to tell us if you're a member of the Beach Hut Association. We may be able to offer you a Reduced premium and zero policy excesses.
Prefer to spread the cost of your policy?
Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.
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.
As with all rules, there are always a few exceptions. Here are ours:
If you need to claim for malicious or water damage a £50 excess applies unless you are a Beach Hut Association member. In which case, you won't need to pay any excess at all.
Unfortunately, we can't cover gradual deterioration, wear and tear or electrical/mechanical breakdown
To give you the best chance of deterring break ins, all windows and openings must be covered by shutters and secured, and all doors securely locked when the property is not in use
We also require all utilities (water, electricity and gas) serving the property to be turned off when the property is left unoccupied.
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
There is no fixed amount. It depends on the size and location of your hut along with the estimated cost to rebuild it. You also need to take into consideration the cost of fixtures and fittings - this is where our experience can help you so please get in touch.
Because Towergate beach hut & chalet insurance is not just an adapted house insurance policy, the third party liability cover is specific to owning a beach hut. The £5m will be more than adequate for most owners but if you have any concerns just speak to our team on 0844 346 0570.
Yes, if you are a member of an Association, and you can confirm your membership number to us, you could benefit from a reduced premium and zero policy excess.
In our experience, claims on beach huts and chalets are usually for total losses, therefore the severity of claims is high. Insurance premiums are based on risk and, given the geographical location and occupancy of most beach huts, the frequency of claims is high.
Yes, just tell us the amount you want to insure for and we can cover items such as generators, fridges, kettles, crockery, furnishings and beach apparel. Please note that items such as TV's, video's, hi-fi's, jewellery, computers, mobile phones and cash are not covered.
Yes. We can cover your watercraft for an additional charge. We will not cover damage and third party liability whilst in use, however we may be able to provide a separate watercraft policy to suit your needs.
If you wish to raise a complaint please email us directly at: email@example.com stating your policy number and type (i.e. Touring) within the subject line and we will respond to you as soon as possible.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
All claims are handled in-house from our offices in Cheltenham. Should the worst happen you will have the benefit of talking to our beach hut claims experts.
Our dedicated, sympathetic and experienced claims team are available from Monday to Friday.
When it comes to our claims service you can be assured that we will act quickly should the worst happen and that we will keep your claim moving forward.
In line with our service pledge, we will act within 24 hours of being notified of your claim and within five days if you provide us with new information on an existing claim.
Simply call us on 0844 346 0571 and our team will talk you through the details of the claim. You will be advised of the next steps and guided through the process right through to a fair and honest settlement.
Most importantly of all, when your claim is settled we will ensure payment is made by cheque within five working days.
Please email us directly at: firstname.lastname@example.org stating your policy number and type (i.e. Beach hut) within the subject line and we will respond to you as soon as possible.
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