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

Get a quote

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
Can’t get through right now? Request a callback

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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.

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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 1182 independent customer reviews.

DateProductScoreCustomer Comment

Landlord Insurance (New Policy Holder)


no messing

Landlord Insurance (New Policy Holder)


Quite good service. No undue delays or irritations, which was very welcome!

Landlord Insurance (New Policy Holder)


clear & easy

Landlord Insurance (Renewal)


Very helpful.

Landlord Insurance (New Policy Holder)


the staff were very helpful and they know what they are talking about

Landlord Insurance (Renewal)


They actually phoned me in the US to renew my policy - I'd kept meaning to call them from the reminder emails and kept forgetting - the fact that they'll phone international is pretty impressive; a lot of companies don't even have that facility.

Landlord Insurance (New Policy Holder)


Excellent communication.

Landlord Insurance (New Policy Holder)


very friendly staff who understood the requirements.

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)



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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