I think that the not paying the DASK insurance is a bit of a high risk strategy, as I thought that it was a requirement of your Turkish Buildings insurance, so that you are not under insured. The risk heighten by the fact that it might be construed by the insurance company that your action was deliberate, and they not only just pay out a lesser amount if you are lucky, but attempt to pay nothing. Given how insurance companies work across the world, i don't think it is worth the risk.