Many of us think of our beach huts as an extended part of our homes and one our most important purchases each years is beach hut insurance. It can be a painful process to call around those limited insurers and compare the numerous features but with the great British weather contributing to significant coastal damage over the last few years, it’s important to take your time and make the right purchase.
Beach Hut insurance is very much still a nice product but with a little work, you can soon have the information you need to make a final decision.
Love Your Hut – Beach Hut Insurance
Love Your Hut is one of the beach hut insurance companies that offers coverage to beach huts throughout the UK.
- With over 15 years experience, Love Your Hut offers insurance products for all ‘huts’, whether it’s on the sea front, in a rural idyll or in your own back garden.
- The most comprehensive of all beach hut insurers, the policy covers you for such perils as storm, vandalism, fire, flood, accidental damage, inundation from the sea and subsidence.
- Cover is also included for your liability as a hut owner, loss of rent or licence fee, liability for some watercraft, temporary liability for art or clerical-related business use.
- The only beach hut insurer to offer an online quote and purchase online. This is a new feature for 2016.
- The website is very informative with full details of cover (with exception of providing a copy of the summary cover). Great FAQ section so that you can compare details: http://www.loveyourhut.co.uk/faqs/.
- Discounts available for Beach Hut Association members.
- Public Liability cover included as standard up to maximum of £5 million (important to those who hire out their huts)
- The initial contents cover when obtaining a quote will be for 20% of buildings cost. You can however adjust this and offers option to just cover buildings.
- Ability to pay by debit or credit card, cheque or bank transfer. You can secure finance to pay via monthly instalments.
- No further paperwork post purchasing.
- Whilst you can purchase online, this does take away the initial availability to provide information on other quotes received. In previous years, I’ve been offered discounts for having more than one beach hut and for my 2016 quote, this was the highest quote received from any insurer.
- No cover summary provided online.
To speak with a rep from Love Your Hut on 01924 580990. Office hours are 08:30 a.m. to 4:30 p.m., Monday to Friday.
- Receive a quote for beach hut insurance by going to: https://secure.websure.com/Webx/Precision/BeachHuts/
- To make a claim: Love Your Hut is supported by a dedicated claims team. Telephone: +44 (0) 344 856 3824 – 24 Hours, Email: email@example.com. Please quote the policy number shown on your schedule.
- Cover Summary is not available online – though you can obtain this by submitting information to receive a quote online.
*All information was correct at the time of writing the article. Please check the company’s website for current up-to-date policy details. To visit Love Your Hut website, go to: http://www.loveyourhut.co.uk/