DASK 
(Compulsory Earthquake Insurance)

For the most up-to-date information on Compulsory Earthquake Insurance (DASK) premium amounts, you can fill out our Contact Form or visit your nearest HDI Participation Insurance agency.

Compulsory Earthquake Insurance (DASK) covers material damages that may occur due to earthquakes and resulting fires, explosions, tsunamis, and landslides, within the limits specified in the policy.

Compulsory Earthquake Insurance (DASK) can be easily obtained through HDI Participation. To get detailed information about the policy, you can fill out our Contact Form or visit your nearest HDI Participation Insurance agency.

The following information is required to obtain DASK insurance (Compulsory Earthquake Insurance):

1. Insured's identity and contact information: Name, date of birth (Day/Month/Year), address, mobile phone number, Turkish Republic identity number or, for legal entities, tax identification number.

2. Information about the building to be insured: Full address, title deed information, year of construction, building type, total number of floors, and current damage status.

3. Information about the apartment to be insured: Gross square meter area and usage type.

Yes, tenants can also get DASK as the policyholder. However, the homeowner must be listed as the insured party in the policy.

DASK policies are issued annually; therefore, you need to renew your policy every year.

DASK is subject to the Disaster Insurance Law No. 6305 and operates under the Ministry of Treasury and Finance.

Compulsory Earthquake Insurance (DASK) can be obtained for the following types of buildings:

1. Buildings constructed as residences on privately owned properties registered in the land registry.
2. Independent sections within the scope of the Condominium Law No. 634.
3. Independent sections within these buildings used for commercial purposes, offices, or similar purposes.
4. Residences built by the state or with loans due to natural disasters.
5. Buildings with established floor ownership rights, buildings whose type correction has not yet been made in the land registry and whose description is recorded as "land" in the land registry, and cooperative housing units for which title deed allocation has not yet been made.

It is mandatory to obtain DASK (compulsory earthquake insurance) for all structures that meet the above conditions.

The following buildings are not eligible for Compulsory Earthquake Insurance (DASK):

1. Buildings and independent sections subject to the Public Housing Law No. 2946 dated 9/11/1983 or used as public service buildings.
2. Buildings constructed in village settlement areas, surrounding areas, and hamlets by individuals registered in the village population and permanently residing in the village. 
3. Buildings used entirely for commercial or industrial purposes.
4. Buildings without a project and without engineering services.
5. Buildings whose load-bearing system has been altered or weakened in a way that negatively affects it.
6. Buildings whose load-bearing system has been constructed in violation of regulations and the project.
7. Buildings slated for demolition by authorized public institutions, as well as buildings unsuitable for residential use, neglected, dilapidated, or abandoned.

For more detailed information, you can visit the Natural Disaster Insurance Institution (DASK) website.