Beach hut insurance

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Specifically created for the UK’s seaside beach hut and chalet owners

Beach hut insurance designed especially to protect beach huts and chalets. Our policy tackles the risks faced by structures on the shore, rather than simply being adapted from a standard home insurance policy. Our wide-ranging beach hut and chalet insurance includes physical loss or damage to the structure, fixtures, fittings and contents, public liability cover, and much more.

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For a quote or insurance advice call:

0844 346 0570

01242 536670

Mon - Fri 9am - 7pm, Sat 9am - 1pm

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Beach hut insurance features

  • Physical loss or damage to the structure, including fixtures, fittings and contents

  • Storm damage

  • Flooding

  • Theft, attempted theft and vandalism

  • Fire

  • Accidental damage

  • Up to £5 million property owner's liability

  • Loss of rent, licence fee or ground rent payable or receivable by you

  • Reduced premiums and zero policy excesses for Beach Hut Association members

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

  • The first £50 of each and every claim for malicious or water damage, unless you are a Beach Hut Association member when zero excess applies

  • Gradual deterioration, wear and tear, electrical/mechanical breakdown

  • All windows and apertures of the property must be covered by shutters and secured, and all doors securely locked when the property is not in use

  • All utilities (water, electricity and gas) serving the property must be turned off when the property is left unoccupied and not in use

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.

0844 346 0570

01242 536670

Mon - Fri 9am - 7pm, Sat 9am - 1pm

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Policy documents

Policy Summary [pdf, 305 KB] Policy Wording [pdf, 630 KB]