Who needs DASK
Compulsory Earthquake Insurance is mandatory for buildings constructed as residences on privately owned real estate that is registered at the land registry and lies within municipal boundaries. The insurance is run by the Turkish Catastrophe Insurance Pool (Doğal Afet Sigortaları Kurumu, DASK).
Public buildings, buildings in village settlement areas, buildings used entirely for commercial or industrial purposes, and buildings whose construction is not finished are outside the scope.
When it is renewed
The policy runs for one year and has to be renewed every year. If you renew within 30 days after the policy expires, a 20 percent discount is applied to the tariff price of the renewed policy. If you let this period pass, you lose the discount, and your home is without cover for the days in between.
When DASK is required
- In title deed transactions and when taking out a mortgage
- When opening an electricity account
- When opening a water account
If you do not have a valid policy, these transactions are not carried out. When you are buying or selling a home or moving, checking in advance that the policy is up to date saves time.
What it covers and what it does not
| Covered | Not covered |
|---|---|
| Material damage the earthquake causes to the building | Household goods and other movable property |
| Damage to the building from fire, explosion, tsunami and landslide caused by the earthquake | Debris removal costs, loss of rent |
| Structural parts such as the foundations, main walls, ceilings and floors, and the roof | Bodily harm such as death and injury |
To protect your belongings and any loss above the DASK cover, you can also take out home insurance; home insurance is optional.
Where to get it
The policy is issued on behalf of DASK by authorized insurance companies, their agencies and bank branches. The address code of the home, the building details and your ID number are enough. A tenant can also take out the policy in the owner's name.
Official sources
The official sources are in Turkish.
This page is for information only. For current and binding information, check the official sources.