House insurance
- Jonlate (Jon Late)
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- dwarf gourami
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How many of you have house insurance for your tanks, just in case they flood.
I had insurance last year, contents only as I rent, for €170, with the AA. This year it's gone up to €240. I didn't usually have any insurance, so last year for the first year ever I decided to get some, just in case something happened, so I only have 1 year no claims.
Can anyone tell me what other companies cover fishtank leakage/ breakage, and if you want to, post how much it cost you contents only for it.
Thanks all.
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- robert (robert carter)
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- Bill (Bill Hunter)
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- dwarf gourami
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I'm going to wait until these Insurance company directors get out of jail then I'll check out the premiums


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- robert (robert carter)
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- Jonlate (Jon Late)
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- dwarf gourami
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As we rent our house, Is it worth getting?
Would they replace floors etc if it explodes, or gets broken by thugs breaking in?
Maybe I will have to phone them and ask.
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- Jonlate (Jon Late)
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- dwarf gourami
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Not sure how to delete this though.
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- paulv (paul vickers)
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- JohnH (John)
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Jonlate wrote: posted twice so deleted it.
Not sure how to delete this though.
'tis done...
John
Location:
N. Tipp
We're just two lost souls swimming in a fish bowl - year after year.
ITFS member.
It's a long way to Tipperary.
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- Jonlate (Jon Late)
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- dwarf gourami
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Does building insurance cover wooden floors? (which the landlord should have)
Or would that be under contents? (which I should have)
It is a good point that the landlord should have insurance, but as fishtank insurance doesn't come automatically I doubt that he has that. I just wanted to be a hood tennant and at least show that I have tried to do my part.
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- robert (robert carter)
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- damofoxo (Damien Fox)
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- Jonlate (Jon Late)
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- dwarf gourami
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J.
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- robert (robert carter)
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- Jonlate (Jon Late)
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- dwarf gourami
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- robert (robert carter)
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- paulv (paul vickers)
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- Bill (Bill Hunter)
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- dwarf gourami
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As for that extra covering the other damage, I would question that. Your other contents are probably already covered for things like water and flood damage. After all, if your washing machine was to go wonky and flood, you are covered. You should already be covered for water damage whether it be from a leaky tap to a leaking washing machine to a leaking aquarium. I've never in my entire life had a leaky aquarium, let alone one that did damage, but I've twice had washing machines go belly-up and do horrendous damage.
Personally, I would question and challenge such a huge extra premium, I can't see anything in my policy that says I'm not covered if an aquarium busts. Check your policy. Insurance companies will take your money for any reason, especially if you tell them you want to give them it.
Bill
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- Bill (Bill Hunter)
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- dwarf gourami
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Your insurance company should tell you when you are discussing insurance what the maximum coverage is per item. If their maximum is €2,000 per item then anything above that has to be named, in a lot of cases there will then be an extra premium depending on it's value. For example; a diamond ring worth €5,000 would need to be named and valued otherwise you would only be covered for €2,000 and you would have to take the hit yourself for the other 3-grand. Is it economical to pay the same amount of money again to insure an aquarium, again?paulv wrote: If you had a 400l tank with quality discus and equipment that's worth 2-2500 minimum to replace.
Bill
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- robert (robert carter)
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- Bill (Bill Hunter)
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I double-checked with my wife on our insurance; it's a package that includes buildings, contents and car insurance for €420 per annum.
If you were to be paying an extra €100 just to insure the tank then you would need to be putting a brick through your tank every five years, otherwise you will pay far in excess of the value of the tank just to insure it. And to think that the replacement of the tank isn't included then I think they are taking the proverbial wee-wee.
Nobody on the forum in the insurance business to advise?
I suspect that if you ask any insurance company about this stuff they will gladly take your money whether you need it or not.
Bill
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- Jonlate (Jon Late)
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- dwarf gourami
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This covers damage by water and the price of replacing the fish tank and fish, if it leaks or is smashed.
And it covers all my other rubbish I have around the house.
I think that's quite good.
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- robert (robert carter)
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- Bill (Bill Hunter)
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- dwarf gourami
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Most of the major insurance companies have had their offices raided in the last fortnight or so for, I think, price fixing. Perhaps we shall see some changes in the future.
With an excess of €500 for water damage, they aren't really giving you insurance on your aquarium, they are giving you downright cheek! I would hazard an educated guess that the average cost for replacing an aquarium would amount to between €500 and €600 so, too me at least, that sounds like you are getting ripped-off big style!
Bill
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- robert (robert carter)
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