Calis Beach and Fethiye Turkey Discussion Forum
Information and Services in Turkey Section => Banks, Interest, Money Transfers, Insurance => Topic started by: Merlin on June 11, 2012, 10:48:09 AM
-
God forbid however, it is clear that with many TAPUs showing a far less worth of the property, that DASK insurance for earthquake damage would leave many people underinsured.
I guess this is heightened if your property is in a terrace or semi-detached as this would leave you legally liable for any under insured cost that does not meet the required amount to repair yours and neighbors joint walls.
-
Most sensible folk top up the DASK with other insurance, so God forbid in the event of an earthquake you will have the cost to rebuild. You have bought up a very valid point as we are semi detached.....and was only saying yesterday thank goodness we are well insured. Never gave it a thought that my neighbour could be under insured. Going to see my neighbour and have a chat to see if they have adequate insurance.
-
(http://s16.postimage.org/6tkw5rb6t/2012_06_11_141604.png) (http://postimage.org/)
(http://postimage.org/)
http://www.tcip.gov.tr/index.html
-
I thought Dask ınsurance was just to pay to clear the sıte after your buıldıng collapsed and you needed buıldıngs ınsurance to rebuıld the property. Anyone confırm thıs for me.
-
Sorta heard that for Holiday Homes but....
-
100 percent correct Quackers, thats all a dansk policy covers getting rid of the rubble
-
So this basically means Dask is worthless - what other options are there in the private sector to obtain FULL and adequate cover?
Has anyone gone down this route?
-
And what happens if everyone has Dask in a big apartment block apart from one person - do they leave his rubble?
-
So this basically means Dask is worthless - what other options are there in the private sector to obtain FULL and adequate cover?
Has anyone gone down this route?
Yes, Dask is virtually useless but nevertheless it is compulsory. Any insurance company will offer FULL and Adequate cover at a cost and I don't know anybody who HAS NOT gone down this route.
-
So this basically means Dask is worthless - what other options are there in the private sector to obtain FULL and adequate cover?
Has anyone gone down this route?
Yes, Dask is virtually useless but nevertheless it is compulsory. Any insurance company will offer FULL and Adequate cover at a cost and I don't know anybody who HAS NOT gone down this route.
Might come as a surprise but i dont know anyone that has!
-
Julie I think we may be talking at cross purposes. I am referring to my buildings and contents insurance which quotes a sum adequate to cover rebuild. My attached neighbours obviously have to have similar cover and I know that they do. I know that all owners on our complex are covered, some with Intasure and others with various Sigorta.
-
I do not think Dask is worthless. it pays to have site cleared or else you would have to pay yourself and that can be expensive.
-
I do not think Dask is worthless. it pays to have site cleared or else you would have to pay yourself and that can be expensive.
if you have no cover for a rebuild who would worry about liability for JCB costs 8)
-
I live here so need my villa hence having dask and building insurance to make sure I will have somewhere to live in the event of an earthquake. What do others think about buildıngs insurance. I had it in UK so makes sense to have it out here.
-
Actually we have full comp. 380 TL year.
-
And worth every tl you can rest easy and not expensive for peace of mind.
-
And worth every tl you can rest easy and not expensive for peace of mind.
But payout has not been tested and in Turkey that always worries me
-
Intasure cover the additional costs of rebuilding
-
The mayor of Oludeniz, Keramettin Yilmaz, told the private NTV television network that the quake had caused material damage but that he had no immediate reports of casualties.
(https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/432180_251165094969583_100002282834829_545073_653961715_n.jpg)
And he should know
-
It seems everybody thinks the DASK (TCIP) insurance is for total loss only, I see nowhere on the Governement website that states it is for clearance of site only, here's the link, maybe one of the doom and gloom brigade can point out where the evidence/facts on the site is, or is it just the usual bar gossip??
http://www.tcip.gov.tr/index.html
-
I have been to get the low down on Dask. On your DASK policy is an ammount the Turkish Govenment will give you (usually about 1/3rd of the property value as on the TAPU) This is given to rebuild the shell of your property. You choose the builder. You take out additional buildings insurane to cover the completion of the property. i.e. windows ,doors, fixtures and fittings ,tiles,painting , pool ,ect. This ammount is also paid to you direct.There is a 2% excess on the ammount paid to you on both polices.You can also take out contents insurance and any items you have 2 or more of (laptops,TV ect) have to be listed also any valuable items (jewelry ect) and they should be photographed and a copy given to insurer. A standard policy for contents starts at 20k tl. To obtain additional buildings insurance you will need a copy of your Dask,Tapu and Tax number ,also copies of passports for all persons named on the Tapu. In the event of minor damage to your building(cracks) it pays out and in the event of an earthquake later in the same year the policy runs it will pay out again. Hope this helps .
-
Thanks Quackers a nice clear and concise summery of what the different insurances relate to and what you should do.
-
Oh and by the way my buildings and contents insurance is 388tl a year . I do not think that is expensive.
-
Just renewed my buildings and contents for 3 bed detached villa, gives me exra 99,000tl of buildings plus contents cover all in English fro lianz 28tl
-
Do you mean the policy is in english and it only cost 28tl!!! Our policy is in english. Where did you get it for 28tl I am interested for when ours comes up for renewal?
-
Just renewed my buildings and contents for 3 bed detached villa, gives me exra 99,000tl of buildings plus contents cover all in English fro lianz 28tl
Can you please clarify the situation for me.
As I ınderstand from your post.
1. You have added 99,000 liras worth of extra cover , for 28 lira, to your DASK buildings insurance?
2.This will also cover contents?
-
You cannot add/increase DASK the ammount is set by the sq metres of your villa as on your Tapu. I think he has taken out extra buildings and contents insurance. But only 28tl thats a bargain. Hope he tells us who with.
-
Obviously a one time special offer and sworn to secrecy.
-
Just renewed my buildings and contents for 3 bed detached villa, gives me exra 99,000tl of buildings plus contents cover all in English fro lianz 28tl
this should read 258tl and it is from Alianz I want my laptop back this old one of Caroles is hopless, or I will have to start proof reading.
-
Good value will look at them when mine comes up for renewal.
-
Just renewed my buildings and contents for 3 bed detached villa, gives me exra 99,000tl of buildings plus contents cover all in English fro lianz 28tl
Yours is a very good price Mark.
I have just had a quote for buildings and contents insurance from Allianz, the buildings cover was for 40K and the premium came in at 310Lira, Dask was an additional 110Lira, this was based on a 75Sq/m 2 bedroom apartment.
After waiting for over a month for a quote for a fully comprehensive policy for my car, i have now given up and gone elsewhere, although the salesman is a very nice guy, he does come across as a bit of a "Jack The Lad".
I put a question to him which had come up in a previous topic, I asked him if a friend could drive the car and be put on the policy? The reply was, "anyone can drive and if there is a problem ring me and i will speak to the polis"
Yeah right he will!! It didn't inspire me with a great deal of confidence which has been proven by the lack of a quote.
-
I use AK Sigorta Gary try them.
-
I use Aviva Sigorta which is next to the flourist and cinema in Fethiye.They are very good and can speak english to.
-
The insurance cost has not to be paid at once , can be divided to 4 , 6 etc , talk to your insurance man.
-
We also use AK Sigorta and have done so for the last 8yrs, although fortunately have not had to make any claims.