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

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

0344 346 0570
0344 346 0570

We’re here for you Mon - Wed 9am - 8pm, Thurs - Fri 9am - 5pm, Sat 9am - 1pm
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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 your policy wording. Show policy documents

Beach Hut Insurance Claims

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:

0344 346 0571

Beach Hut Insurance Articles & Guides

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

Lili Sanchez


Tips for Decorating Your Beach Hut

We sat down with Beach Hut of the Year 2016 finalists to discuss their top tips for beach hut living. Read on for great tips about decorating your beach hut and follow the links to browse more from our Beach Hut of the Year top tips series. In this article, Beach Hut of the Year finalist, Lili Sanchez, shares her top tips on decorating your beach hut.

Anna Davies - news image


Renting Out Your Beach Hut

Beach huts have increased in popularity over the last few years as many of us yearn for days beside the British seaside. This has created opportunities for beach hut owners and many now rent out their huts to seasonal visitors. Read on for advice on how to rent out your beach hut from Anna Davies, 2016 winner of Towergate's Beach Hut of the Year.

Customers rate our service at 89%

Based on 37 independent customer reviews.

DateProductScoreCustomer Comment

Beach Hut Insurance (New Policy Holder)


Having just insured my beach hut all can say is so far my experience with the company has been good.

Beach Hut Insurance (Renewal)


Very helpful.

Beach Hut Insurance (Renewal)


I have already done a rating. I think you were great, had no problems, very helpfull. Thank you. Rita smith.

Beach Hut Insurance (New Policy Holder)


Polite and friendly on the phone but took ages to come back to me regarding my query and it took weeks for the paperwork for my policy to arrive. In fact they were only received after I called to chase then twice. Poor after service once my money was taken.

Beach Hut Insurance (Renewal)


Very informative and helpful service!

Beach Hut Insurance (Renewal)


The service was good and efficent plus were helpful to find a good price based on other business I had with you

Beach Hut Insurance (Renewal)


A quick and efficient service

Beach Hut Insurance (Renewal)


After insuring the beach hut for two years I was very satisfied with towergate. However, this year they put up the price by double. When I queried it they reduced it but it was still quite a ridiculous over priced quote. I therefore went elsewhere.

On 24-Jul-2015 the supplier responded:
I was sorry to read that you have not chosen to renew your Beach Hut Insurance Policy with us this year. Having reviewed your policy I've noted that you previously held and paid for a 6 month policy which unfortunately, we no longer offer. Because of this, the Renewal Invitation you received this year provided cover on a 12 month basis. I hope this clarifies the matter further for you.

Kind Regards,
Towergate Feefo Team

Beach Hut Insurance (Renewal)


I am very happy with the reliability, service and customer interaction from Toergate thank you. Niall Irving.

Beach Hut Insurance (Renewal)


Would really like loyal customers to be recognised. Too much time is given on getting new customers these days.
I always have to remind tower gate renewal department to honour previous years promises, which is boring and relentless.

More reviews

Beach Hut Insurance 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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