Beach Hut Insurance

Designed so Britain’s beach hutters can keep on hutting.

  • We cover beach huts of any age or construction and timber beach chalets too!
  • We are clear and transparent – you won’t catch us hiding our fees in our premiums
  • We are with you at every step, helpful teams from quote to claim all in one office

Don’t have time to call now? Send us your enquiry and we’ll get back to you

Make an enquiry

Want to speak to us? Call us for quotes, to buy a policy or just ask us a question

0844 346 0570
01242 536670

We’re here for you Weekdays 9am - 5pm
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93%

Here are just a few reasons why your beach hut is in safe hands with Towergate:

We cover the big risks

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 love beach hut associations

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.

Rebuilding your beach hut like new

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.

Flexible contents cover

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

It’s the moment of truth – you need to make a claim.

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.

Need to make a claim?

We’re here to help so call us on:

0844 346 0571

Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your Beach Hut Insurance.

Beach Hut Insurance Buyers Guide Banner

insurance guide

Beach hut insurance buyer's guide

If you're looking to insure your beach hut, you may be wondering why you need separate insurance for your hut and why it differs from other types of property insurance. We answer these questions and offer advice on how to get the best value out of your beach hut insurance.

View insurance guide

Customers rate our service at 93%

Based on 1797 independent customer reviews.

DateProductScoreCustomer Comment

Holiday Home Insurance (New Policy Holder)

++

Very helpful assistant and very good value insurance. Thanks.

Park Home Insurance (Renewal)

+

Nothing has changed over the past year reflected in no necessity to contact you

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.

More reviews

FAQs

How do I know if I have a beach hut or a beach chalet?

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.

How do I know the rebuild value of my hut?

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.

Do I need shutters if I have a chalet?

Chalets are usually a different type of construction to beach huts and do not need shutters over the windows for cover to be valid.

Can I pay in instalments?

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.

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.

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