Calis Beach and Fethiye Turkey Discussion Forum
Information and Services in Turkey Section => Banks, Interest, Money Transfers, Insurance => Topic started by: 1gor2don on March 13, 2013, 09:43:37 AM
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My apologies if this has already been raised, but a heads up if it hasn't.
I went with a friend of mine last Saturday, to renew their Dask insurance. They had last years policy, and you would have thought that renewing would be a formality......Oh No!!!
They were asked for their residents permit. On asking why, we were told that the rules have been changed by the Turkish Government, and now you need a Turkish Kimlik number to get the insurance, no Kimlik number, no insurance we were told.
As we know, you only get a Kimlik number when you acquire a residents permit, so we asked how property owners who do not have residency can get insurance? We were told that they need to go to the police, not sure if that is the passport police or not, and they will be issued a temporary Kimlik number. No idea how long temporary is, or if there is any cost involved, but I guess we all know the answer to that one.
My friend then returned with the residence permit, only to be told they needed to go to a newly formed council dept, to obtain the property/complex ID number!! Apparently this is something new, and is neither the Tapu nor council ID for the property.
They have spoken to a Lawyer behind the Alo 24 restaurant, and he has confirmed the recent changes. It was suggested that this latest change is aimed at landlords that are renting without paying tax, and that by forcing all property owners to go to this new ID dept, they will at long last identify landlords and force them to pay tax! So expect a 15-20% rise in rents shortly, as there is no way the landlords are going to swallow the tax themselves!!!
As I say, my apologies if this has already raised, but I can see that this could cause major problems for people in the UK who own property in Turkey, and do not have residents permits, as they will be unable to renew their Dask insurance until their next visit.
Cheers
Gordon
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Gosh Gordon - that doesn't sound very promising - I hope it is inaccurate in some way but I suspect we will have to see if it happens to one or two others to know for sure - or is there a way around it ??
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If it is true, just don't bother with DASK. If Fethiye is flattened by an earthquake I doubt it would matter if you had DASK or not :)
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I didn't renew our Dask (Actually I forgot) should I now bother? probably not if this is the case. Top up of the Earthquake in the house insurance should cover it??
Out of curiosity, Intasure offer Dask with their holiday home insurance, how are they getting around this new law?
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I always thought is was compulsory to have DASK in place
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They say it's compulsory but no-one enforces it!
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Apparently it covers the clean up in the event of an earthquake related collapse. If your apartment was 3rd floor right hand side, will they sweep around your part?
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I'm informed by the person who sorts out my Dask at Aveva that the information is false. I did a copy and paste of the original post and sent it to her. She tells me that.....
U got a wrong info!!!! U can get u r Dask insurance policy with u r passport no or turkısh tax number ( that u already got it )
Call off the dogs! ;D
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As I understand the way Dask works is that ıf ın the event of an earthquake,and your home ıs flattened the Turkısh Government gıves you the ammount stated on the Dask to cover clearıng and rebuıldıng the shell of your property . You take out buıldıngs ınsurance to cover the ınternal refurbıshment , bathrooms, kıtchens ,painting ect. When you have the money from both Government and Insurance company you can choose the buılder you want to do the work. I suppose alternatıvely you can take the money and do nothıng , unless there ıs some legıslatıon ın place that prevents thıs.
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And if you have an apartment and the others in the block haven't got insurance?
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You will end up with ground floor accommodation and a nice big garden
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And all the tomato farmers will suddenly be builders and developers again
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Hi,
Whilst the story I related is certainly true, the information may of course not be, we all know what it is like here in Turkey, with the right hand not knowing what the left is doing, and 1001 interpretations of the same rules and regulations!LOL
Not being funny, and you would expect someone working in the insurance business at Aveva to know what's what, but I am more inclined to listen to what the Lawyer has said, he is not just a solicitor, and is well respected.
Odd, but as I say, not unusual, for two different insurance companies to have two different opinions, but it is hardly likely that one of them has decided to invent this supposed change to the system, so it is highly likely that something is afoot.....
It is not inconceivable that some insurance companies will enforce any changes, whilst other will ignore them.
Time will tell.....
As Keith says, it may well not be worth having Dask insurance anyway, although it is also my understanding that it is a legal requirement, but that doesn't mean much here. It fact you could extend that argument to buildings insurance as well. For example, if your apartment block fell down, and you live on the top floor, or any floor for that matter, if there are people in the block who have not got Dask plus additional buildings insurance, and therefore cannot afford to rebuild, unless your apartment can be attached to sky hooks, you have got a major problem.
Sorry, but just another reason on a huge list of reasons not to buy property in Turkey, in my opinion, especially on a complex.
Cheers
Gordon
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It will be interesting to see how this is dealt with. My understanding that Intasure only insure properties for people who are non-resident but they also sort out your Dask insurance so one rule will contradict the other!!??
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For example, if your apartment block fell down, and you live on the top floor, or any floor for that matter, if there are people in the block who have not got Dask plus additional buildings insurance, and therefore cannot afford to rebuild, unless your apartment can be attached to sky hooks, you have got a major problem.
Sorry, but just another reason on a huge list of reasons not to buy property in Turkey, in my opinion, especially on a complex.
Yes I agree it is a potential problem but why a reason not to buy in Turkey - I am trying to think what would happen in the same situation in the UK. Not necessarily an earthquake (although not impossible) - a fire, structural defect etc - what happens if your neighbours are not insured?
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I would guess in the UK Keith your insurance would sort the property if your neighbour was not insured.
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That's strange to hear that getting DASK is difficult for some, Axa took money out of my ING account for DASK insurance and I had never asked them for it or had a policy with them before, needless to say I also did not get any paperwork but the bank confirmed it was a valid AXA Sigorta policy?? Still waiting for a refund since 15th January!! >:(
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Hi Keith,
I lived in an end of terrace house in the UK, and my buildings insurance had to cover more than just the value of my own property, in case a fire or whatever, caused damage to my neighbors house. I am not suggesting that it had to cover completely rebuilding next doors property, but an element of the cost had to be taken into account.
Obviously if I had not bothered to take out buildings insurance, my neighbors could have had a problem. I would suggest however that the likelihood of someone not having adequate insurance is far more likely here in Turkey?
The reason not to buy in Turkey, as I said is just one of many, and is just my personal opinion, based on many things I have seen and experienced in my almost 8 years here, and having purchased myself initially. Each to their own, but I would never consider purchasing here in Turkey, or probably anywhere else in the world outside the UK either. The potential problems you can encounter are just not worth it, but, as I say, that is just my personal opinion.
Corbindallas, sounds like the insurance company simply got the account number wrong, and unfortunately it was yours!! Apparently, even according to my UK bank, it happens a lot!! The delay in sorting the problem and refunding your money is however totally unacceptable, but unfortunately typical here in Turkey.
Cheers
Gordon
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I used to hear people saying "sell up in the UK - put all your money away - rent and live really well off loads of interest"
With rates as they are and slipping further and demand increasing from non UK purchasers I suspect buying and knowing where you stand is a more secure option for many who wish to move here in the next 5 years than it was" ???
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We are insured with intasure and they have sorted my DASK and e-mailed the certificate to me about a month ago .
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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.
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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.
Very true I would be surprised if an insurance company paid out if you didn't have DASK
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I insure my home in turkey through intasure in the uk,ive just re-newed mine no problems at all,i know that you pay more with them but you only get what you pay for in any unlikely event of anything happening to your property then i know that they are on the ball regarding repairs or being burgled and replacing items.I always was told that dask is law in turkey but not house insurance.
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Don't think we would want to risk not having the DASK insurance to top-up the earthquake aspect of our property insurance....definitely a high-risk strategy.