Beach Hut Insurance

Specialist cover for the UK's beautiful beach huts and sensational chalets.

Properties by the sea can take a battering from the elements. Yet around the UK coast line you'll find rows of beach huts and chalets which still look magnificent despite the sometimes cruel conditions. We know that you take great pride in your hut and create new and fond memories every time you stay in it. Our Beach Hut Insurance has been designed to provide financial cover to help you get your beach hut back in tip top shape should something happen to it.

0844 346 0570
01242 536670 Weekdays 9am - 5pm
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Beach hut insurance features

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.


Beach hut insurance exclusions

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.


Beach hut insurance FAQs

How much do I need to insure my beach hut for?

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.

I rent out my beach hut / chalet. Will I be covered if anything happens to the person renting it?

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.

I am a member of a Beach Hut Association. Do I get a discount?

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.

I've heard it can cost as much to insure a beach hut as it does a house. Why is this?

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.

Can I insure the contents of my beach hut or chalet?

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.

I also have a fishing boat / dinghy / canoe. Can you insure this for me?

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.

Who should I contact if I need to make a complaint?

If you wish to raise a complaint please email us directly at: stating your policy number and type (i.e. Touring) within the subject line and we will respond to you as soon as possible.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Beach hut insurance claims promise

Our claims team

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.

Your Beach Hut or Chalet insurance claim

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.

If you wish to raise a complaint

Please email us directly at: stating your policy number and type (i.e. Beach hut) within the subject line and we will respond to you as soon as possible.


Beach hut insurance policy documents

Policy Summary [pdf, 305 KB] Policy Wording [pdf, 630 KB] Beach Huts Explained [pdf, 626 KB]
Customer Reviews (784)

Customers rate our service at 92%

Based on 784 independent customer reviews.

DateProductScoreCustomer Comment

Holiday Home Insurance (New Policy Holder)


I found my inquiry re my renewal for insurance was dealt with promptly and it was good to be able to speak to someone who was able to deal with my queries

Park Home Insurance (Renewal)


Excellent, knowledgeable and friendly staff

Park Home Insurance (Renewal)


Dealings very efficient and curteous

Unoccupied Insurance (New Policy Holder)


Good cover and price

Unoccupied Insurance (New Policy Holder)


Quick revery happy with service.sponse,

Park Home Insurance (Renewal)


Always very helpful.

Unoccupied Insurance (New Policy Holder)


Provided the Insurance I needed.

Holiday Home Insurance (Renewal)


Great service, thanks.

Park Home Insurance (Renewal)


Thankfully never had to make a claim!!

Unoccupied Insurance (New Policy Holder)


Easy to use website.

View all reviews >>

0844 346 0570
01242 536670 Weekdays 9am - 5pm
Get a quote Request a callback
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