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 - Thurs 9am to 8pm, Fri - 9am until 5pm and Sat 9am to 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

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:

0344 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 of the Year 2015

The summer of 2015 was all about the humble British beach hut as thousands were captivated by the biggest national beach hut competition in Britain. With over 20,000 pillars of joy lining the coast up and down the country, we wanted to find the very best. Hundreds entered, 11 were shortlisted, thousands voted for their favourite, and a team of expert judges led by Channel 4’s Phil Spencer took the final decision to crown ‘Betty’ of Mersea Island, Essex, owned by Jane Ashmore, as Britain’s best Beach Hut 2015.

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How To Love Your Beach Hut This Winter

Here are some simple hints and tips to help you protect your pride and joy. It’s not just storm damage to look out for, from beach hut associations to buckets and spades; make sure your hut is safe and secure for this winter.

Customers rate our service at 93%

Based on 1426 independent customer reviews.

DateProductScoreCustomer Comment

Park Home Insurance (New Policy Holder)


Yes your service is very good & your quote is excellent for the cover that you
offer. As long as they stay reasonable we will use you in future

Park Home Insurance (Renewal)



Park Home Insurance (New Policy Holder)


very good, friendly staff

Park Home Insurance (Renewal)


Very clear and simple procedure, pleasant member of staff.

Park Home Insurance (New Policy Holder)


Nice advisor, very knowledgeable.

Park Home Insurance (New Policy Holder)


Staff very friendly and helpful. Fully explained everything. Took out my insurance with minimal hassle. would recommend towergate insurance

Park Home Insurance (New Policy Holder)


Had a quote for storing at home. Then found storage at a cassia gold secure caravan storage site so, expected quote to drop by 25% as you say on your web page but it stayed the same?

Park Home Insurance (Renewal)


Very good , hlghley recommended. Thank you.

Park Home Insurance (Renewal)


Had cause to contact Towergate Insurance due to bereavement of policyholder, individual who dealt with the issue was understanding and efficient.

Park Home Insurance (Renewal)


The staff made this very easy

More reviews


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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