Beach Hut Insurance

Protecting your beach hut with our specialist cover 

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Why choose beach hut insurance with Towergate?

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Specialist beach hut cover

We insure against tidal surges, inundation, flooding and storms.

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Beach Hut Association excess

We reward Beach Hut Association members with a zero excess. If you’re not, the policy excess is £50.

Flexibility (1)

Rebuilding your beach hut like new

We will rebuild your hut as new, we can also include the extra costs of debris removal and demolition of the hut, as long as your sums insured is adequate.

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Flexible contents cover for beach huts

We can insure wake boards, deck chairs, furnishings and other items you might keep in your hut. Just let us know the overall contents value you need to insure.

About beach hut insurance

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£5 million beach hut public liability cover

Your legal liability as occupier and owner of the beach hut or chalet to third parties resulting from causing accidental bodily injury or accidental damage to property limited to £5 million for any one claim. Cover excludes liability from any business use at the beach hut.

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Loss of rent/licence fee for beach huts

We will pay for loss of rent and/or licence fee payable and/or receivable by you whilst your beach hut cannot be occupied as a result of an insured loss. However this will be no more than the 10% of the building sum insured as shown on your schedule.

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Buildings and contents cover for beach huts

We can cover physical damage or destruction arising from an unexpected and unintended event including fixtures, fittings and contents. This does not cover for loss or damage caused by river or coastal erosion.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 102 6062 and explain exactly what happened
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Beach hut insurance articles and guides

Beach hut insurance buyer's guide

Our guide explains all you need to keep your beach hut or chalet and its contents covered against the elements.

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How to Care for Your Beach Hut

Beach huts are vulnerable to harsh coastal elements. Our guide explains how to keep your hut in good condition.

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How to Prepare Your Beach Hut for Winter

Our guide to protecting your beach hut from the elements this winter. Find the dos and don'ts of beach hut security and protection.

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Renting Out Your Beach Hut

As beach hut waiting lists grow, hut owners across the UK are renting theirs out. Read on for top tips from this year's winner of Beach Hut of the Year.

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The Benefits of joining a beach hut association

We explain why becoming a member of a beach hut association is a good thing to do. Watch the video to find out more.

Read more

Tips for Decorating Your Beach Hut

We sat down with Beach Hut of the Year 2016 finalists to discuss top tips for decorating your beach hut.

Read more

Beach hut insurance FAQs

There is one key difference between a beach hut and a beach chalet: a beach chalet has a licence to be slept in overnight 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 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.

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 monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, see our Direct Debit page.

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.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

This policy does not cover for loss or damage caused by river or coastal erosion and there is no cover for any claim due to an epidemic or pandemic infectious disease. Please check the policy wording for full details of restrictions to the cover.

Watch our video about the benefits of joining a beach hut association.

Beach hut associations are established to cater for local beach hut communities. Some have been around for many years while others are just starting up but either way, they provide a great service to beach hut owners.

In most cases the fee for joining a Beach Hut Association is annual and can be as little as £5 for the year.

You will often find that beach hut insurance companies may offer a discount to beach hut association members. This is due to the association's work towards protecting Britain's beach huts. Many associations run beach patrols and work with the police to ensure that the vandalism and theft from huts is prevented as much as possible.

It’s the little things that can make a big difference and the role of beach hut associations can sometimes be as simple as a phone call. By having your details on record, many associations will alert you if something has happened to your hut. That way you may be able to fix any problems before they get worse.

Another benefit comes with the sense of community and social aspects. Joining an association is a good way to meet your neighbours and get involved in events that are happening on beaches near you. Associations such as Mudeford will through annual fun days in the summer which is a great way to spend the day.

One last benefit comes with insurance; some companies may offer lower excesses to BHA members meaning you would pay less towards a claim if something happened to your hut.

All in all, beach hut associations provide a fantastic service to owners and it’s well worth seeing if there is one in your area.

If you need a quote, or have any questions, please call the team or request a beach hut insurance quote.

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