Comprehensive Auto Insurance 
Comprehensive Auto Insurance 
DASK is a mandatory insurance type developed to cover large-scale losses resulting from earthquakes and related events. This mandatory earthquake insurance ensures coverage for material damages directly caused by earthquakes, including fire, explosion, and ground displacement in insured buildings and foundations, up to the insurance amount, including damages to stairs, elevators, roofs, and chimneys.
Damage notifications should be submitted to DASK or your insurance company, agents, or regional offices within a maximum of 15 days from the date of the incident.
Only buildings are covered under this insurance policy. In addition to this insurance, you can explore home insurance to insure your belongings.
What is DASK?
DASK stands for the Natural Disaster Insurance Agency (Doğal Afet Sigortaları Kurumu in Turkish), established following the earthquake on August 17, 1999. It was founded with the objectives of securing all residences against earthquakes, ensuring financial losses are covered, and contributing to the formation of insurance awareness.
Who Can Benefit?
DASK mandatory earthquake insurance can be obtained by both homeowners and tenants. However, tenants can only carry out this process in the name of the landlord as the "Policyholder." Compensation is paid to the landlord, not the tenant.
Required Information
- Name of the insured, Turkish Identification Number (TCKN), Tax identification number, Phone number, Address
- Full address of the insured building, Title deed information, Building type, Construction year, Number of floors, Current damage status
- Gross floor area (m²), Intended use
Covered Coverages
- Earthquake
- Fire
- Explosion
- Ground displacement
- Tsunami
- Other building damages
Buildings Covered by Insurance
Under the law that came into effect on September 27, 2000;
- Buildings constructed as residences on immovables registered in the land registry and subject to private ownership,
- Independent sections within these buildings used for commercial purposes such as offices, shops, etc.,
- Also, residences built by the state or with credit provided by the state due to natural disasters are subject to mandatory earthquake insurance.
Buildings Excluded from Insurance Coverage
- Buildings owned by public institutions and organizations,
- Buildings constructed in village settlement areas,
- Buildings used entirely for commercial or industrial purposes,
- Buildings constructed after December 27, 1999, but without a construction permit within the framework of relevant regulations.
Insurance Coverage for Common Areas in the Apartment Building
- Foundations
- Stairs
- Main walls, common walls, garden walls
- Elevators
- Roofs and chimneys
- Ceilings and floor
Exclusions from Insurance Coverage
- Debris removal expenses, ground displacement, business interruption, loss of rent, alternative residence and workplace expenses, financial liabilities, and any other indirect damages that may be claimed,
- All kinds of movable property and goods,
- All bodily injuries, including death,
- Claims for moral damages.
Determination of Insurance Premium
The mandatory earthquake insurance premium amounts, determined by DASK, vary based on factors such as building structure, square footage, and the risk zone situation.
During the determination of the insurance amount, the square meter value specified for the construction style of the insured residence in the Mandatory Earthquake Insurance Tariff and Instructions is multiplied by the gross floor area of the same residence. The resulting amount is the basis for the insurance amount. The insurance amount cannot exceed the maximum coverage amount specified in the Mandatory Earthquake Insurance Tariff and Instructions in any way.
Hak Sahiplerince Aranmayan Paralar
