Hot tub insurance

A Hot Tub or Swimspa can be an expensive purchase, and you may consider it to be one of your most valuable possessions.

Fixed items in your garden such as patios, fences and sheds will fall under your building’s insurance. Movable items such as your Hot Tub will be covered by your content’s insurance. Make sure that your insurance covers the value of your spa. You may want to increase the amount you are covered for, if this is the case you can pay extra for your existing policy, or take out specialist insurance. 

Of course, at 1 Stop Spas we offer a warranty on all of our Hot Tubs as peace of mind. However, like any high value items, we would advise insuring your spa in case of accidental damage. With the increase of Hot Tub sales in recent years there has been a wave of insurance claims too. From theft and animal damage to accidents with lawn mowers, we have all experienced mishaps with our prized possessions. 

Alongside damages to the spa itself, there have been many insurance claims from those with clumsy hands dropping other expensive items into their Hot Tub! Most commonly mobile phones are dropped or knocked into the water. Watches, hearing aids, tablets and earphones are also commonly dropped or knocked in. Due to the small possibility of these accidents, we strongly encourage everyone who buys one of our spas to have insurance so they can enjoy it for years to come (without the stress of ruining any other possessions!). 

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Keeping Your Hot Tub Safe

Whilst having any costs covered is important, we know prevention is better than cure. So, we have come up with some steps for keeping your Hot Tub safe.

Take off jewellery and watches

Chemicals used in your Hot Tub in some cases can discolour or wear out your jeweller. Being in the water may also damage your watch. Alongside chemicals, spas have high temperatures and water pressure, all of which isn’t the best environment for your fine jewellery. So, take off that engagement ring and your Rolex before you soak!

Put down your phone

It may be tempting to document all of your Hot Tub activities online, but a quick text isn’t worth dropping and destroying your mobile. Keep your phone away from your Hot tubs water!

Eliminate disaster

Placing your Hot Tub away from any possible trees, parasols, posts or potential falling objects can help eliminate disaster. After a storm, the last thing you want to see is a massive tree crushing your beloved spa!

Take care of accessories

Lids and accessories should be stored and used properly to avoid damage. Keep higher value accessories away from your dog or bunny rabbit, as they might get chewed!

Accidental damage insurance

Finally, remember to check that your contents insurance covers all of your belongings inside your house, as well as in your garden. Accidental damage insurance provides ultimate peace of mind, so make sure to add this on! Hopefully you won’t have to make an insurance claim and using our tips have managed to keep everything safe. In the unlikely event it’s needed, at least you will be covered.

Do 1 Stop Spas Offer Insurance?

We include a warranty on all hot tubs, spas and swim spas we sell, but do not offer any insurance. The can be arranged through your existing home insurance, a garden insurance policy or other specialist insurance policy. Please always check the details to know what’s covered, and what is not.

Takeaway
Your Hot Tub is a valuable investment so it’s important to protect it just like any other high-ticket item. While your home contents insurance may cover it, you’ll want to double check and ensure the policy reflects its true value. Consider wider insurance cover that covers claims for theft, weather damage, and accidental damage. For example to cover things like dropping phones or watches in the water, as this is more common than you might think.