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Retirement and forum shutdown (17 Jan 2022)

Hi,

John Howell who has managed the forum for years is getting on and wishes to retire from the role of managing it.
Over the years, he has managed the forum through good days and bad days and he has always been fair.
He has managed to bring his passion for fish keeping to the forum and keep it going for so long.

I wish to thank John for his hard work in keeping the forum going.

With John wishing to "retire" from the role of managing the forum and the forum receiving very little traffic, I think we must agree that forum has come to a natural conclusion and it's time to put it to rest.

I am proposing that the forum be made read-only from March 2022 onwards and that no new users or content be created. The website is still registered for several more years, so the content will still be accessible but no new topics or replies will be allowed.

If there is interest from the ITFS or other fish keeping clubs, we may redirect traffic to them or to a Facebook group but will not actively manage it.

I'd like to thank everyone over the years who helped with forum, posted a reply, started a new topic, ask a question and helped a newbie in fish keeping. And thank you to the sponsors who helped us along the away. Hopefully it made the hobby stronger.

I'd especially like to thank John Howell and Valerie Rousseau for all of their contributions, without them the forum would have never been has successful.

Thank you
Darragh Sherwin

RE: Fish/Tank Insurance

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17 Feb 2011 13:27 #1 by andrewo (andrew)
Not sure where to put this but does anyone here have experience of insuring their tanks? Are tank set-ups generally insurable? I mean it is a prt of the furniture like most others no?

Has anyone included their set-ups in your insurance policy? What about live stock? Any insurance agents / brokers in the forum?:)

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17 Feb 2011 13:29 #2 by joey (joe watson)
you can insure it/them under "specified risk" on your house/contents insurance i know a forum user who has done it

Location: Portlaoise, Midlands

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17 Feb 2011 13:33 #3 by andrewo (andrew)
Any ideas on price-wise and would you do it? Is there a need for it? I suppose livestock will have to be grouped/included in the tank?

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17 Feb 2011 13:40 #4 by stretnik (stretnik)
Replied by stretnik (stretnik) on topic Re: RE: Fish/Tank Insurance
I'm not an expert in this so I'll ask, Does insurance cover the Tank AND damage or just the damage from Water?

Kev.

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17 Feb 2011 13:47 #5 by andrewo (andrew)
Damage from water? Would that not be normal wear and tear then? Im also thinking along the lines of what happens if some mishap happens and tank gets cracked i.e. during water change or if someone knocks it over or if a short circuit happens(water and wires=bad); and if you went for a short holiday; power cuts and all livestock ends up dead...

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17 Feb 2011 14:00 #6 by stretnik (stretnik)
Replied by stretnik (stretnik) on topic Re: RE: Fish/Tank Insurance
If your TV goes belly up after years of service that's tough luck, if it is out of Warranty that is, if a Golf Ball, Fire Poker etc falls against it, you are covered but I am not sure about Aquaria in the Home when it comes to failure of sealent etc.

The Sponsors who have hundreds of tanks would definitely have an Idea on the whole process.

Kev.

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17 Feb 2011 14:04 #7 by joey (joe watson)
if it is put onto the policy as a specified risk (i had guns and engagement ring covered but this was due to taking them out the house and it cost a small amount extra for 5k worth of goods) i dont think it affects your premium too much, its just naming specific items in your contents and it'd cover the tank and i suppose you could cover the livestock under a value, but not sure about water damage from the tank breaking i suppose you should be covered under normal house insurance and if its down as a specified risk

Location: Portlaoise, Midlands

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17 Feb 2011 15:09 #8 by Fishowner (Gavin fishowner)
It would be covered under your house insurance if you had a blow out for example.It would be easy enough to claim under the policy if you were saying doing a water change and it blew out etc... You just have to know how to claim correctly, abit like how Kev is saying. I dont know about livestock,that would be more specific and unlikely to be covered under the general house insurance.

I renewed my house insurance lately and asked all providers if I was covered under it for the tank blowing or breaking and they said I was. In the event the tank is over 2k in value,then you could mention it like Joey says. I didnt specify it under my insurance as its not worth 2k but I was told I was covered under the general house insurance.

Gavin

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17 Feb 2011 15:28 #9 by DJK (David Kinsella)
Yeah, I think the tank itself would be a 'specified item' which you would have to mentiom on your application form while the potential damage which a leaky or busted tank may cause would be covered by what they call 'accidental damage' which costs a nominal amount extra(well in my case anyway).

Dave

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17 Feb 2011 16:34 - 17 Feb 2011 16:35 #10 by stretnik (stretnik)
Replied by stretnik (stretnik) on topic Re: RE: Fish/Tank Insurance
Then there is the other question of the deductible, how much would you have to pay up front? The deductible is usually more than the cost of the flippin Policy !

Kev.
Last edit: 17 Feb 2011 16:35 by stretnik (stretnik).

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17 Feb 2011 16:37 #11 by Dub (Glen Coughlan)
What insurance company will offer this as my house insurance is just up for renewal......
Regards Glen

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17 Feb 2011 17:55 #12 by DJK (David Kinsella)

Then there is the other question of the deductible, how much would you have to pay up front? The deductible is usually more than the cost of the flippin Policy !

Kev.


True enough. In the 'good oul days' your standard excess would have been €150, but with the recent 'hits' the insurance companies have taken with recent winter weather conditions, you're now looking at a minimum excess of €250 plus a nice increase on your premium!

I personally didn't mention to the insurance Co. about my tanks but think I'm covered with the extra few euro I paid on my premium for 'accidental damage'.

My basic contents policy was €80 with an excess of €250.

Dave

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17 Feb 2011 21:00 #13 by paddyc1 (Paddy Corrigan)
I claimed a couple of yrs ago on my house insurance. Hadn't got the tank insured specifically. There was an excess of 250.
Tank sprung a leak and wasnt sure if i could re-seal because of the location of the leak.
Had to get a quote from the retailer I bought it from, and a damage report to say it wasn't under warranty and could not be repaired.
I went to a retailer (not a sponsor) and told them I would be buying a replacement there ;)
They gave me a quote for new tank, did a damage report, I sent it off and Bobs your aunties husband.
Because there was an excess of €250 I got about €300 back towards my replacement tank and there was no premium put on my policy.

Lets just say....I know a bloke who was in the EXACT same predicament and I..,.i mean he was able to reseal the tank and now has it set up in my.....,I mean HIS shed as a breeding tank

Tallaght, Dublin 24

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18 Feb 2011 08:54 - 18 Feb 2011 08:55 #14 by mossy (gavin blanchfield)
told my insurance about my tank and yhey said i was covered for the tank and water damage but not for the livestock
but an excess of 300 euro
Last edit: 18 Feb 2011 08:55 by mossy (gavin blanchfield).

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18 Feb 2011 10:51 #15 by Dub (Glen Coughlan)

told my insurance about my tank and yhey said i was covered for the tank and water damage but not for the livestock
but an excess of 300 euro

Hi Mate what insurance company are u with???
Regards Glen

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18 Feb 2011 13:42 #16 by mossy (gavin blanchfield)
allianz mate
i was just wondering if i was covered
i rang the and told them about my tank and was it covered and it was at no extra cost

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