Calis Beach and Fethiye Turkey Discussion Forum
Calis Beach Forum => Expat & Property Owners Q and A Forum => Topic started by: Scunner on January 17, 2007, 17:29:03 PM
-
After years of searching, I have finally found a UK based company who offer buildings and contents insurance for properties in Turkey, who include £2,000,000 Public Liability Insurance cover.
Intasure are based in Surrey, and specialise in 'niche' insurance markets. They have a policy which seems pretty much exactly what we have been looking for:
(Quote)
Included with @Intasure
* Your cover is underwritten by one of the worlds leading insurers - Aviva
* Fully comprehensive cover
* Your property is covered whether occupied or unoccupied
* Your property is covered if let short term or long term
* Competitive rates
* No claims discounts
* Excess from just £50
* All policy documents are in English and if you have an enquiry or claim you talk directly to a UK based, English speaking support team
* Policy covers your swimming pool as well as buildings
* Policy covers public liability of £2m in regard to buildings and contents (traditionally, most policies provide minimal public liability cover)
* Covers loss of rent following a claim
* Wider cover than most standard buildings and contents policies
* Protects your valuable contents - new for old</b>
They have also decided to partner with CBF - so if you could kindly add our partner number <b>202926</b> to you quote request (box provided on form), they can track how we are doing. It will not make any difference to your quotation figure.
You can request a quotation here: Intasure Turkish Property Insurance (http://www.intasure.com/holiday-home-insurance-turkey/?introducer=202926)
Don't forget to let us all know how you get on.
Scunner
-
Scunner - do you know how competitive these folks are in terms of prices? I am thinking about renewing but dont want to start a dialogue if I am going to find out they are twice the price.
-
just e-mailed and got a price all done in english they rang me back within 30 min of e-mail, price given 138.17p for a 2 bedroom appartment including contents i will be taking it up thanks scunner hope to meet you in feb 9th once again thanks
-
quote:
Originally posted by HappyMonday
Scunner - do you know how competitive these folks are in terms of prices? I am thinking about renewing but dont want to start a dialogue if I am going to find out they are twice the price.
I hadn't a clue until Mike's post above - that looks really good.
Worth it for the public liability alone if you rent, and I'd say for the chance to deal with it yourself, in the UK, with British people on the other end of the phone.
The best advice I had on property insurance from companies here in Turkey was from the boss of one of the big developers - "If you want insurance, get the cheapest, they don't pay anyway".
Charming
Scunner
-
Scunner - having read other psots I'm sure that you are right on this. Price quoted looks good so I will contact them as well.
-
Sound good to me. We will definately be contacting them when our policy is due for renewal in October.
Thanks Keith
-
Just reading the front page it is indicating home insurance for holiday homes in Turkey but not for residents - is that right? Our home insurance is not due until June but I might be looking to change this year.
Teresa
-
Before jumping in on this one check out the point Teresa raised and also check out the subject of the cover for cash and the restrictions on the use of a safe and the requirements for door locks.
The insurer is Aviva in Istanbul the company we are insured with and arranged here in Fethiye but they do NOT cover cash. So do they cover cash if you use this English broker[?]
As a point of interest our premium for a five bedroom apartment in Fethiye: Buildings and contents was £144 so not dissimilar to the figure quoted (excluding DASK). :)
-
Have contacted this company and they will only insure holidays homes in Turkey.
If you have relocated to Turkey they will not cover you.
Fi
-
If you particularly want to use Aviva then try Evrensel Sigorta in Fethiye.They will cover you as a resident. :)
-
Intasure Insurance sounded great to me but after accepting their quote they asked detailed questions about flooding. My house is in an area liable to flooding, as is much of Calis. They then refused to insure me.
-
can anyone help me with the insurance company intasure i cannot get onto their web site so if any of you have the email address would be most grateful thanx buster
-
Hi Buster,
Try this link: http://www.intasure.com/?introducer=202926 - it is working fine.
Scunner
-
We have always used Aviva in Fethiye and unlike Scunner found no problem when we made a claim after our tanks leaked. The assessors came out within a week and they paid in full for redecoration etc. The policy is printed in English and is extremely comprehensive. Cost last year about £120. Office is the building next to the cinema in Fethiye.
-
Carpete
What are you talking about lol
I haven't had a problem with insurance not paying?
Scunner
-
Keith your posting above on 17.01 sounds as though there could be a problem with Turkish insurance [?]or am I reading that wrongly? :)
-
Oh I see :)
I haven't had a problem, that was the opinion of one of the big developers on local insurers.
A main advantage with Intasure is the Public Liability cover, something I know you probably need as you don't rent your place out.
Scunner
-
We have been quoted £208.13 for contents and buildings insurance with this company back in January. 3 bed linked house. (Lissa Links)It is dearer than the insurance we have at the moment, by £40,(Isvicre Sigorta A.S). However, shall have to do a like for like on the policy when we next renew in May. If you get a quote with Intasure they will send you a policy wording document. I spoke with them and at the present time they are not able to provide the DASK insurance, but are hoping to be able to offer this in the near future.
MariaM
-
£40 for £2m public liability cover may be well worthwhile if you have renters falling down your marble stairs or walking into closed patio doors :)
-
thanks scunner it worked regards buster
-
quote:
Originally posted by hazel dorrington
Intasure Insurance sounded great to me but after accepting their quote they asked detailed questions about flooding. My house is in an area liable to flooding, as is much of Calis. They then refused to insure me.
Hi Hazel, I spoke with Intasure about this. They have carefully explained that they are not refusing to exclude properties that have suffered from damage through flash flooding/flash storms, but as with UK property insurance, they are not insuring properties in areas of general flooding risk caused by proximity to rivers that have a history of bursting their banks.
It isn't any different in Calis or Colchester. In fact, very few properties in Calis & Fethiye are at risk of flooding.
I have also asked if Intasure would join the forum, so they can answer any members questions themselves, as I don't really know much about property insurance :-\ - and hopefully they will.
Scunner
-
I contacted Intasure as a result of reading this thread. They responded very quickly and seemed very competitive for our needs. They seemed to be saying we didn't need to insure until we had our TAPU. Does anyone know if this is correct?
-
Probably technically correct but as we are now working to a 'get the keys once you pay' system, rather than wehn you get the tapu, it's your belongings in the property, and you can't be sure that the previous owner or developer has sufficient insurance cover (if any at all) if any disaster strikes.
Scunner
-
Hi, this is a question that relates to insurance but also a general question. I am looking for property in Calis at the moment. I have read somewhere that recently all new builds are built 'earthquake safe'. Can anyone tell me more about this? Also, as some of the properties I'm looking at are older how would this stand with insurance?
Thanks, Keri
-
I have insurance policy for my apartment from AV&IVA (Norich Union ) Evrensel sigorta .
Realy happy with them, had a water leak ,called them, explaing what was wrong, come to see my apartment ,give them quatation from my builder how much will cost to repair and get paid into my bank acount.
What i am trying to say is why should i use some insurance company not even based in near my home .
They are only company gives me Puplick Liability cover .
Thanks to Evrensel sigorta.
Rose
If you have any question drop Gonul a mail .
evrenselsigorta@hotmail.com
-
Use Aviva as the shares are down and I need the boost, looks good deal Keith a we will give them a shout when we finally get our Tapus
-
Puplick liability cover?
I work in insurance for a national insurance company and we cant cover that :o
Tinx ;):D
-
A lick from a pup can make a small skin abrasion turn septic. I'm surprised you don't take attacks from vicious animals seriously at your "national insurance company".
-
Whilst I agree with you Keith I have to point out if it were a adult dog we can prosecute and seek compensation, as in this case it is a minor and is too young to prosecute and therefore you cannot be covered for such an event, it is too much of a liability.
Tinx ;)
-
No wonder pups of today have no respect.
Bring back National Pup Service, that's what's needed.
-
We've just had a quote from Intrasure that was even cheaper than last year. Aparently they now insure with Lloyds and offer more competative rates. Our quote was for £128 for our 2 bed apartment. We have insured with Turkish companies in the past including Avia and Oyak and Intrasure give much more cover for a similar price.
Has anyone as yet made a claim with Intrasure? Are they giving a good service when you need to make a claim?
-
They did not cover Residents... only owners of holiday homes. Has that changed? :)
-
Not yet, as far as I know
-
Thanks Keith. :)
-
I spoke to Intasure and they said if 80% of people on my complex insured with them they would give free site insurance for the communal areas, and extend the PLI to cover that. As the PLI only covers accidents in your apartment.
Does anyone have site insurance for communal areas? i.e if a guest had an accident in the bar or pool etc?
-
Did anyone have any luch with getting insrance for their complex?
Also can someone explain to me the difference between third party liability insuance & publc liability.
Thanks
Lorraine
-
Hi ,
The insurances in the UK they don't cover everything. For eexample if your pool terrace sunk in time they don't accept this as their policies are prepared to Turkey's earth situation. As you know the stability of the earth here is very different.
Anyway the best insurance man I know in Fethiye is Bayram and he helps a lot to his customers.
If you are interested then his e-mail address is bayram_ozle@hotmail.com
-
do they know about all the houses bring broken into?
-
Who?
-
insurance companys from u.k
-
Who cares?
If the cost of the insurance policy is suitable to the owner, buy it. What they may or may not know is hardly the owners problem! Intasure are at: IntasureTM Turkish Property Insurance (http://"http://www.intasure.com/?introducer=202926") for your info
-
[^]Will they do you know do earthquake insurance !!!!
-
Scunner, do you know if they cover earthquake insurance if not do you know who does or do any other forum member know.
-
Intasure arrange DASK earthquake insurance for their policy holders - details can be found at
http://www.intasure.com/dask_insurance.asp?introducer=202926
-
Just Recieved my annual renewal notice fron Intersure and the premium has increased by 28%. Whilst I accept it is a good policy I was given no reason for such an increase. As well Building insurance was previously automatically up to £1million now it is £250000 on the new schedule.
Anyone else had their annual renewal figures yet?
-
does this include earthquake insurance , sorry to be so stupid but l have no idea when it comes to insurance, they all get so compliacted
-
Looking T buying a house in Calis, but just seen this! Can you tell me more about flooding areas of Calis? Thanks.
-
Does the Intasure insurance cover earthquake cover (DASK??)
-
Yes they can arrange DASK insurance for you too.
-
Have just seen your notice re this company. Got quote for 2 bed semi on Telmessoss, Koca Calis, have declared flash floods in area but our property has never flooded. Quote £202 bit higher than what I currently pay but I suspect that I do not have public liability at moment. Will be taking them up on their quote and they will arrange DASK if you provide copy of TAPU.
Thanks for your info
-
We have used Intasure for the last 3 years. We had a problem with our roof leaking following really bad weather last year and they were really good in getting our claim sorted.
-
Intasure are currently sorting out a claim for flooding in our apartment and have been very efficient. They were quick to go to the apartment, and send us a full report and photos. They say that they will repair all damage, repaint where necessary and replace all wet furniture before our visit in 6 weeks time.
They use a company called Oakwood Abroad, and it's a British guy dealing with the claim, which makes communication very easy! :)
We have just had our renewal for the next year and the monthly payments have increased by £6 a month, but we're happy to pay that, knowing they are happy to respond to any claims, with no fuss!! :)
-
We are hoping to move out later this year and want to start renting does anyone know what sort of insurance we might need to cover the place and us lol thanks.
-
have had insurance for several years now with Aviva from Fethiye office. Girls in the office very helpful as I have had 2 claims. The last one last October. Everything was sorted whilst I was in Calis. Prices have not gone up much over the time I ave been with them.
-
hi.
i have just had a quote from intersure. it seems very good, but i am a little confused as to what is the differance between earthquake insurance and dask. is either of these to do with council tax. or is this somthing total differant.
thanks for any help sue.
-
We just got a quote from them, prices have gone up quite a bit since this thread started five years ago. :o We have been quoted £411.00 for our Villa which includes £20.000 of content insurance. If we take £10.000 of content it comes down to £326.00.
However, other half is going to give them a ring today. :)
-
hi.
what is the differance between earthquake insurance and dask. is either of these to do with council tax. or is this somthing total differant.
thanks for any help sue.
DASK is the compulsory earthquake insurance & neither is anything to do with the council tax
-
Jacqui got my quote today as well gone up quite a bit as well ,Diana
-
our intasure quote for this year had increased 17.5% over last year despite never having a claim in the 5 years we have used them. Contacted them to see why and was met with a take it or leave it attitude.
Also a word of warning, after 5 years of insuring with them we find out that our house is not insured for earthquake, despite telling them in the first instance it was a renovated stone house, it turns out according to them that we were never insured unless our house had steel reinforcing, but somehow I doubt if a 100+yr old house would have such reinforcing.
We have now found a company that will insure our house marked "Kagir" on the tapu and at a lesser cost then our intersure quote (minus earthquake)
They do seem to have jumped on the bandwagon a bit in the last couple of years.
If you have a stone house, beware!!
-
After being with Intasure for some years now, with no claims, now find that the renewal quote has gone up to a stupid price! Can anyone recommend a reliable turkish company?
-
Im sure someone on our complex is with Aviva......in England, who cover properties abroad.
-
I have tried intasure year after year for about 7 years now, every year they hound me for a new quote but is always much dearer than axa in turkey sadly.
I tried to get them to price match or better the quote but sadly they are not interested.
-
I too have just taken out this policy and the premiums and cover is competitive. I work in the insurance industry in the UK and you should be careful of the exclusions some of which are major particularly under the buildings insurance section. Be sure to read the policy booklet to fully understand what is covered and what is not.
-
Just found this thread so it may be a past issue. However beware of cheap Turkish based home insurance if you are renting out your property. They often have negligible third party liability cover. Our Aviva Turkish policy was £1000 limit so we changed to Intasure. That low sum is of course fine if you bear in mind that Turkey does not have the same blame culture as the UK. But if you do let your place out and advertise and run your lettings on a UK based site and are to all intents a UK based business (I.e. submit a UK tax return as well as a Turkish one and accept payment in the UK) you can in theory be sued in the UK if some prat fails to monitor their children and they fall off the balcony or something equally hideous. Not sure if you are still liable in the UK courts if all bookings were taken in Turkey. Needs a proper solicitor to comment I think. An extra hundred quid a year for 3 million pounds of cover and a company with a good claims record seems like good value if I were to get sued for a drunken fall down our marble staircase.