House insurance

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18 Jul 2017 13:25 #1 by Jonlate
Jonlate created the topic: House insurance
Not sure where to put this question, but John will change it if it wrong(!!!!)

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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18 Jul 2017 15:49 #2 by robert
robert replied the topic: House insurance
Very hard to get insurance for tank breakage especialy if they are big tanks , liberty insurance wanted to know size of tank , what type of floor its standing , how old the tank was , and who built the tank , then for one 350 litre tank they quotes an additional 120 euro per year on top of the normal premiun . So having 5 tanks it just didnt happen . I believe this is one of the reasons Seahorse tanks are expensive as they are covered by insurance against breakage , but dont know for how long

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19 Jul 2017 09:39 #3 by Bill
Bill replied the topic: House insurance
To be honest, I've never thought about it, simply because I've lost faith in insurance. I would imagine it can work out expensive though. It's not exactly a simple case of a broken tank and a few dead fish. Unlike with a TV or something, it's not just a case of that item needing replaced, there is a high probability that when your tank busts the water gets into electrics, floor coverings and floors - if made of wood. Not to mention any other items that water gets into. It always seems to me that if you insure your tanks you are paying another premium to insure your other goods twice.
I'm going to wait until these Insurance company directors get out of jail then I'll check out the premiums :laugh: :laugh: Maybe they will be lower then.

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19 Jul 2017 20:39 #4 by robert
robert replied the topic: House insurance
Any insurance is great when you buy it your covered for evertything , but when you try to claim for covered for nothing

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21 Jul 2017 12:14 #5 by Jonlate
Jonlate replied the topic: House insurance
This is why I am asking the question!!
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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21 Jul 2017 12:14 - 21 Jul 2017 12:16 #6 by Jonlate
Jonlate replied the topic: House insurance
posted twice so deleted it.
Not sure how to delete this though.
Last Edit: 21 Jul 2017 12:16 by Jonlate.

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22 Jul 2017 09:12 #7 by paulv
paulv replied the topic: House insurance
If you rent your house does the landlord not insure the house and you insure your personal belongings. Check with your landlord.

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22 Jul 2017 23:07 #8 by JohnH
JohnH replied the topic: House insurance

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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23 Jul 2017 13:40 #9 by Jonlate
Jonlate replied the topic: House insurance
So....
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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23 Jul 2017 19:30 #10 by robert
robert replied the topic: House insurance
House insurance is divided into two parts , the building and then the contents , the building normally covers the structure and any permanant fixtures , kitchen units , permanant flooring tiles wooden flooring but not carpets and rugs , contents these are normally your own personel items , curtains furniture , white goods ,tv . Clothes etc . Not really sure where an aquarium would come , when i enquiredit would have to be listed seperately hence the extra premium

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07 Aug 2017 09:41 #11 by damofoxo
damofoxo replied the topic: House insurance
I was with AA last year just for the contents they told me they covered fish tanks. The premium went up a giod bit this year so i had a lool around and AIB were the cheapest I could get that has cover for a fish tank. Theres a good few places who dont cover fish tanks so safest checking the terms and conditions just to be sure.

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07 Aug 2017 13:42 #12 by Jonlate
Jonlate replied the topic: House insurance
I ended up getting a good quote with Zurich, so thanks all for your input, and hope this thread helps others in their hunt.

J.

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07 Aug 2017 14:59 #13 by robert
robert replied the topic: House insurance
My renewal came induring the week extra 100 euro to cover my 5 tanks

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08 Aug 2017 13:12 #14 by Jonlate
Jonlate replied the topic: House insurance
Was that to cover the tanks themselves or to cover any damage from the tanks water damage? Or both of course!!

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09 Aug 2017 20:08 #15 by robert
robert replied the topic: House insurance
It was just to cover any water damage the tanks would cause , wanted to know size of tanks , age of tanks , who made them , and what type of floor were they standing on , oh forget also what i had for breakfast

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10 Aug 2017 08:03 #16 by paulv
paulv replied the topic: House insurance
At least that's better than no cover. I had a 1000l tank smashed during a break in last April, caused huge damage to carpets, walls, fireplace and electric sockets. Had to remove the skirting to allow the dry wall to fully dry out. I'm wondering if the tank, equipment and fish could be specifically named in contents insurance. If you had a 400l tank with quality discus and equipment that's worth 2-2500 minimum to replace.

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10 Aug 2017 11:41 #17 by Bill
Bill replied the topic: House insurance
€100! Is that per month or per annum? Either way it seems damned extortionate to me! My Insurance in total only costs €420 per annum. That includes all contents and all buildings and garden sheds, equipment and personal injury to self, family and visitors. It also gives a complete rebuild up to €325,000 and automatically covers all my camera equipment etc. I don't think I'd be paying an extra 25% per year to cover a couple of tanks valued at perhaps a total of €1,000! Think about it.
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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10 Aug 2017 11:50 #18 by Bill
Bill replied the topic: House insurance

paulv wrote: If you had a 400l tank with quality discus and equipment that's worth 2-2500 minimum to replace.

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?
Bill

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10 Aug 2017 13:29 #19 by robert
robert replied the topic: House insurance
The extra 100 euro is per year , but only covers damage caused by a tank leaking or being damaged by an intruder , it does not cover the cost of a replacement tank , our contents and building insurance premium is 285 euro so they wanted an extra 33% for the extra coverage so needless to say it wasnt done

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11 Aug 2017 09:31 #20 by Bill
Bill replied the topic: House insurance
I honestly don't believe that extra cover is required for an aquarium.
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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11 Aug 2017 16:30 #21 by Jonlate
Jonlate replied the topic: House insurance
I pay €160 contents only with Zurich as I rent.

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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11 Aug 2017 21:04 #22 by robert
robert replied the topic: House insurance
Cant believe what i just have read , my insurance doesnt cover my tanks ,the excess i pay in the event of a claim is 250 except for water damage where the excess is 500 euro . Sort of makes it pointless to consider adding the tanks . Just paid my renewal today , robbing basxxxds .

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12 Aug 2017 10:09 #23 by Bill
Bill replied the topic: House insurance
Not too late to get your money back and give it to someone that won't rip you off, Robert. You always retain the option to cancel the policy and only pay for the month/s used. So you should get a full refund except for the month of August. I think the important thing is to check the policy for what they won't cover before handing over a penny. If you tell them you want cover on an aquarium then of course they will sort you out with that, at a nice price to them. Always safer to go to them and ask for a list of things they don't cover. Just do not give them a list of what you want covered or they will be very quick to organise it.
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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12 Aug 2017 22:57 #24 by robert
robert replied the topic: House insurance
Hi Bill i didnt go for the aquarium cover , where my tanks are is a tiled floor so any water leaks would cause a mess rather than damage .

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12 Aug 2017 23:03 #25 by damofoxo
damofoxo replied the topic: House insurance
Im fairly sure my AIB insurance cover is underwritten by Zurich. Just at a cheaper price. Ill dpuble check to be sure. Might save someone a few quid.

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