Beach Hut Insurance

Protecting your beach hut with our specialist cover to give you peace of mind so you can enjoy your leisure time.

0124 289 4048

Weekdays 9am–5pm, Sat 9am–12:30pm

Email us for a call back

About Beach Hut Insurance


Specialist beach hut cover

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


Beach Hut Association Members excess

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


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.


Flexible contents cover

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.

Features of Beach Hut Insurance

Standard cover

Flexible and straightforward mini fleet insurance

We have a diverse range of high-quality covers available to fit your business. Because the insurers we work with trust our expertise, not only can we arrange for immediate cover, but we can offer a tailored and highly flexible product. If you have an assorted mix of up to 12 commercial vehicles, then a mini fleet insurance policy could be exactly what you need to keep your wheels turning.

Multi-vehicle insurance on a single policy document

Keeping track of a growing fleet of commercial vehicles can be time-consuming. Our mini fleet insurance removes the complexity by having all your commercial vehicles on a single policy document with a single renewal date. As your vehicle count changes, you just add or delete vehicles from the policy. This simplicity allows you to focus on running your business, while we’re right beside you helping to protect it.

Mini fleet insurance that grows with your business

<strong>Our</strong> flexible, accommodating, and straightforward mini fleet insurance provides a solution combining quality covers with competitive premiums. Talk to us today about reducing the likelihood of accidents and impact of claims with our risk management led approach. Furthermore, your policy can evolve with your business until a traditional fleet insurance policy [link to] becomes more appropriate.

Wide-ranging cover for your mixed vehicle fleet

Not just mini fleet insurance specialists! As experts in commercial insurance, we offer a wide range of motor and non-motor insurance policies through a panel of some of the UK’s leading, trusted insurers. These include motor vehicle, goods in transit (GIT), public and employers’ liability, income protection, commercial property, legal cover, uninsured loss recovery (ULR), commercial legal expenses, engineering, cyber and many other covers, depending on the specific needs of your business.

Beach Hut Insurance FAQs


How do I know if I have a beach hut or a beach chalet?


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.


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 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 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.


Where can I find full details of my policy?


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.

How do I make a claim?

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 0345 258 7171 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim