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DASK

DASK
(Compulsory Earthquake Insurance)

Do not neglect to have your Compulsory Earthquake Insurance, which protects your home against damages that may occur due to natural disasters such as earthquakes.

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What is DASK?

 

Earthquake is a risk that affects everyone’s life and is an unavoidable reality of our country. Although it is not possible to completely eliminate this risk, there is an effective measure that can be taken against it: Compulsory Earthquake Insurance (DASK).

 

Known as DASK, the Compulsory Earthquake Insurance provides coverage, within the limits determined by the government, for material damages to your home or workplace caused by earthquakes and related disasters such as fire, explosion, tsunami or landslide resulting from the earthquake. In this way, a significant portion of your financial losses that may occur after an earthquake will be compensated by your insurance. Compulsory Earthquake Insurance, provided by the Natural Disaster Insurance Institution (DASK), is not only a legal obligation but also an important step to prevent major financial losses that may arise in the event of a disaster.

Provides coverage for damages caused by earthquakes and resulting effects.

Includes secondary risks following the earthquake such as fire, explosion, tsunami and landslide.

Compulsory to have DASK for transactions like electricity, water, natural gas subscriptions and land registry procedures.

Can be taken out by either the homeowner or the tenant, but the insured person must be the homeowner.

Scope of DASK

Applicable to All Registered and Licensed Buildings
Applicable to All Registered and Licensed Buildings

Covers all legally constructed and occupied residential buildings.

Earthquake Protection
Earthquake Protection

Provides coverage against earthquakes and earthquake-related disasters such as fire, explosion, tsunami and landslide.

Building Protection
Building Protection

Along with your home, it also covers shared structural elements such as the foundation, walls, stairs, elevator, chimney and roof.

Legally Mandatory
Legally Mandatory

Compulsory for all residential properties and must be renewed annually.

Main Coverages

Compulsory Earthquake Insurance (DASK) provides protection only for the building itself. If you wish to secure your household belongings as well, you should also take out a Home Insurance policy. Covering damages caused by earthquakes and earthquake-related events, DASK compensates for the main structural elements of your residence within the limits specified in your policy. The scope of DASK coverage includes:

Earthquake

Fire

Explosion

Tsunami

Landslide

What to Do When You Need to Use Your DASK

1

If your residence has been damaged after an earthquake, you can report your claim as soon as possible through your HDI Sigorta agency or by contacting the DASK Call Center (ALO 125).

2

After your application, an expert will be assigned by the Natural Disaster Insurance Institution (DASK). The expert will visit your address and inspect the damage on-site.

3

The report prepared by the expert will be reviewed by DASK. The determined loss will be calculated according to the coverage amount stated in your policy. During this process, you can call our HDI Easy Line at 0850 222 84 34 for information and assistance.

4

Once approved, your compensation will be paid directly to your bank account by DASK.

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DASK in 6 Questions

What is DASK?

DASK stands for the “Natural Disaster Insurance Institution” and refers to a compulsory insurance policy in Türkiye that protects residential properties against earthquakes and earthquake-related natural disasters. This insurance provides financial support to homeowners for structural damages that may occur as a result of an earthquake.

What Does DASK Cover?

Compulsory Earthquake Insurance covers not only the direct effects of an earthquake but also secondary disasters such as fire, explosion, tsunami and landslide caused by the earthquake. The coverage includes the main structural elements of the building such as the foundation, walls, roof, stairs and elevator. However, losses such as damage to household belongings or loss of rent are not covered by DASK and require a separate home insurance policy.

Is DASK Mandatory?

Yes, DASK is legally mandatory for all registered residential properties in Türkiye. Under Law No. 6305 on Catastrophe Insurance, a property cannot be sold, and electricity, water or natural gas subscriptions cannot be activated without DASK coverage. Moreover, newly constructed buildings cannot obtain occupancy permits without a valid DASK policy.

How to Get DASK Insurance?

To issue your DASK policy, simply contact the nearest HDI Sigorta agency and provide the required information and documents.

What is Required to Obtain DASK?

To take out Compulsory Earthquake Insurance, the following information is needed:

  • Policyholder’s full name, Turkish ID number or foreign ID number, mobile phone number and date of birth
  • Full address and title deed information of the property
  • Year of construction, building type, total number of floors, usage type and floor number of the insured unit
  • Gross floor area (in square meters)
  • Details of any mortgage or lien on the property
  • For renewals, the existing DASK policy number

You can easily complete the process by visiting one of our agencies with this information.
 

How to Use DASK?

If your residence sustains damage after an earthquake, you can report your claim through your HDI Sigorta agency or directly via the DASK Call Center (ALO 125). After your report, an expert appointed by DASK will inspect the property and assess the damage. The compensation amount will then be determined based on your policy limits, and once approved, the payment will be made directly to your bank account.

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