Q. Many insurance companies still don’t seem to have caught up with the Hot Tub Revolution. Are spas classed as permanent fixtures or do they fall into the same category as garden furniture? Obviously they are worth a lot more than your standard (or even designer) set of garden furniture so we want to get our new spa insured when we buy it.
Has anyone got any recommendations or contacts of insurance companies who are up to speed with hot tub ownership. I want to insure against loss and accidental damage (i.e. if a ridge tile blows off in high winds and lands on it!)
A. I think this is very dependent on your existing buildings and contents insurance company, so an initial call would be prudent, perhaps even before buying the tub. From experience I think it sometimes depends on how accessable the spa maybe to a potential theft also, if you needed a crane to get the tub in then the insurance company don’t need to worry too much about theft. I have noted companies will usually class it as part of the buildings insurance as once in place it is unlikely to be moved by the owner. Bottom line call you insurer and check. If they won’t insure your hot tub it is probably worth pulling your policy and vote with your feet to a company who will insure it.
We have our hot tub insured with Direct Line as an itemised item on our buildings and contents policy. If anyone has successfully got their hot tubs covered with other companies place a comment below as this is a very common question.