Beach Hut Insurance

Search & compare cheap quotes from Beach Hut insurance providers, One short form – save time & money

Policies and deals from industry leading UK insurance providers of Beach Hut Insurance, including

Demand for Beach Huts Increase

Prices have increased by over 30 percent as demand for beach huts have soared throughout the UK and further afield. The name beach hut may not sound too impressive, but some of these so called bach huts can demand prices exceeding £26,000 and in some cases reaching £240,000 in the most popular resorts,

We have partnered with Quotezone. A panel of insurance brokers can offer you a range of insurance quotes for beach huts. Including huts that are on a permanent site or only seasonal.

What to look for in a Beach Hut Insurance Policy

A good beach hut insurance policy should provide a good level of cover, and in particular look for policies that have the following as standard.

beach hut insurance
  • Buildings and Contents Cover
  • Cover if you decide to rent out your beach retreat.
  • Vandalism and theft, does this cover apply if left empty, during winter months? 
  • Public Liability cover :  This cover is for claims by third parties for accidental bodily injury or accidental damage to property. 
  • Cover for weather damage, including sea damage. 
  • How far is it from your home. Will you make use of it enough to make it a good investment.
  • Are you required to take additional security measures 

How much is beach hut insurance?

The cost of beach hut insurance will largely depend on the price and location of the beach hut. The higher the price to replace the higher the insurance, if the hut is in an area of high crime this will also be reflected in the final premium quoted,

Things to Consider when buying a Beach Hut

A beach hut can provide many rewards, but will come at a price. Before making the plunge here a few things that should be taken into consideration. 

Is monthly Beach Hut Insurance Available?

Most providers will assist in setting up a monthly direct debit to spread the coasts for beach hut cover.

  • What amenities does the hut provide? Does it have running water? Are there any nearby options for electricity, or restroom facilities, particularly during winter?
  • Are there any hidden fees, example, associated with transferring ownership? Certain councils impose charges for registering a change in ownership, which can amount to several hundred pounds.
  • Aside from transfer fees, it's important to consider any ongoing costs associated with owning a hut. Most councils and site owners require a yearly licence fee, which can be over £100. It's also essential to factor in insurance expenses, including coverage for potential damages caused by storms or vandalism.
  • Take careful not of the terms imposed by the resort or landowner, some will prohibit staying overnight or renting out your beach hut.
  • How far is it from your home. Will you make use of it enough to make it a good investment.

Beach Hut Insurance FAQ's


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

Put simply, the key difference between a beach hut and a beach chalet is that a beach chalet can be used for overnight stays. If you are unsure about the regulations in the proposed area, it is advisable to contact that local council for clarification on this matter. 

How do I know the rebuild value of my beach hut?

Find a reputable builder and obtain a written quotation for the rebuild costs. Make sure to include any demolition and removal costs. It is also advisable to get more than one quotation, This then can be used as the basis for insurance rebuild cost. 

Is monthly Beach Hut Insurance Available?

Most providers will assist in setting up a monthly direct debit to spread the coasts for beach hut cover.

Scroll to Top