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...
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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 reward Beach Hut Association members with a zero excess. Don’t worry though, if there is not an association in your area your excess will only be £50. Speak to one of the team to find out more.
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.
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
Please be aware that you must report a claim within 30 days of it happening.
We’re here to help so call us on:
Or you can send an email to schemeclaims@archinsurance.co.uk
Get tips and advice from our industry experts to ensure you get the best out of your Beach Hut Insurance.
insurance 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...
View insurance guidearticle
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.
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What are the benefits of joining a beach hut association. We look at how they work and why they can bring discounts on your beach hut insurance. Watch the video to find out more.
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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.
Every claim is case by case, so all we ask is that you contact our claim team as soon as you are aware of the incident. If you can acquire photos of any damage as well this will help the process.
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.
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.
Chalets are usually a different type of construction to beach huts and do not need shutters over the windows for cover to be valid.
When you purchase your policy, we will send you your New Business documents, which includes your Policy Schedule, Policy Wording, IPID and our Terms of Business. These will be sent by Post or Email, whichever is your preference. At renewal, your policy will be raised approximately 25-30 days before your renewal date and you will receive your invitation by Post or Email, depending on the preference selected on your policy.
Your renewal information will be sent to you before your renewal date. Once received, your payment options will be detailed within your pack, but these will include:
When you purchase your insurance, we will send your Policy Schedule which you will need to retain as your proof of insurance.
Yes – to cancel your Caravan policy there is a £30 cancellation charge.
If you choose to cancel your policy within the first 14 days, you will not be charged and a full refund will be provided, as long as no claims have been made. The 14 days begin from the date your policy starts or the date you receive your documents, whichever is the latter.
If you decide to cancel your policy after the first 14 days, you will be charged, by the insurer, for the time you have been on cover and a £30 cancellation fee and our commission will be retained on a pro rata basis. Also, our customer service charge and any additional products are completely non-refundable. However, if a claim has been made, the full premium will be charged.
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.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
