{"id":46809,"date":"2026-08-31T06:20:40","date_gmt":"2026-08-31T06:20:40","guid":{"rendered":"https:\/\/trupropertyturkey.com\/dask-earthquake-insurance-turkey\/"},"modified":"2026-08-31T06:20:40","modified_gmt":"2026-08-31T06:20:40","slug":"dask-earthquake-insurance-turkey","status":"publish","type":"post","link":"https:\/\/trupropertyturkey.com\/ru\/dask-earthquake-insurance-turkey\/","title":{"rendered":"DASK Earthquake Insurance in Turkey: What Changes on 5 September 2026"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46809\" class=\"elementor elementor-46809 elementor-bc-flex-widget\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-92023fb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"92023fb8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container 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*\/\n.dk-contact{background:#3d001e;padding:60px 0}\n.dk-contact-inner{display:grid;grid-template-columns:1fr 1.4fr;gap:52px;align-items:start}\n.dk-contact-meta{display:flex;flex-direction:column;gap:14px;margin-top:20px}\n.dk-ci{display:flex;gap:12px;align-items:flex-start}\n.dk-ci span:first-child{font-size:1.1rem;flex-shrink:0;margin-top:2px}\n.dk-ci-text{font-size:.86rem;color:rgba(255,255,255,.7)!important;line-height:1.5}\n.dk-ci a{color:rgba(255,255,255,.9)!important;text-decoration:underline!important}\n.dk-form-wrap{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;overflow:hidden}\n.dk-footer-strip{background:#660033;color:rgba(255,255,255,.8)!important;text-align:center;padding:14px 20px;font-size:.75rem;line-height:1.6}\n.dk-footer-strip a{color:rgba(255,255,255,.8)!important}\n\n\/* RESPONSIVE *\/\n@media(max-width:960px){\n  .dk-strip-in{grid-template-columns:repeat(2,1fr)}\n  .dk-protect{grid-template-columns:1fr 1fr}\n  .dk-2col{grid-template-columns:1fr;gap:36px}\n  .dk-contact-inner{grid-template-columns:1fr;gap:36px}\n  .dk-cta-in{flex-direction:column;text-align:center}\n}\n@media(max-width:640px){\n  .dkc{padding:0 16px}\n  .dks{padding:44px 0}\n  .dk-hero{min-height:auto}\n  .dk-hero-content{padding:48px 16px 56px}\n  .dk-hero h1{font-size:clamp(1.75rem,7.5vw,2.5rem)}\n  .dk-protect{grid-template-columns:1fr;gap:12px}\n  .dk-strip-in{grid-template-columns:repeat(2,1fr)}\n  .dk-title{font-size:clamp(1.4rem,6vw,1.85rem)}\n  .dk-step{gap:14px}\n  .dk-step-num{width:44px;height:44px;font-size:1rem}\n  .dk-steps::before{left:21px}\n  .dk-contact{padding:48px 0}\n}\n@media(max-width:480px){.dkc{padding:0 14px}}\n<\/style>\n\n<div class=\"dk\">\n\n<!-- HERO -->\n<section class=\"dk-hero\">\n  <div class=\"dk-hero-bg\"><\/div>\n  <div class=\"dk-hero-pat\"><\/div>\n  <div class=\"dk-hero-ov\"><\/div>\n  <div class=\"dk-hero-content\">\n    <span class=\"dk-eyebrow\">Regulatory Update &middot; Foreign Buyer Guide &middot; Published 31 August 2026<\/span>\n    <h1>DASK Earthquake Insurance in Turkey: What Changes on 5 September 2026<\/h1>\n    <p class=\"dk-hero-sub\">From 5 September 2026 a seller&rsquo;s compulsory earthquake policy ends the moment the title is registered &mdash; it no longer passes to the buyer. If you are completing a Turkish purchase this autumn, this is the one change most likely to catch you out at the tapu appointment.<\/p>\n    <div class=\"dk-hero-meta\">\n      <div class=\"dk-hm\">&#128197; <strong>Effective 5 September 2026<\/strong><\/div>\n      <div class=\"dk-hm\">&#128220; <strong>Resm&icirc; Gazete, 21 August 2026<\/strong><\/div>\n      <div class=\"dk-hm\">&#127482;&#127479; <strong>Written for non-resident buyers<\/strong><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- DATA STRIP -->\n<div class=\"dk-strip\">\n  <div class=\"dkc\">\n    <div class=\"dk-strip-in\">\n      <div class=\"dk-si\"><span class=\"dk-sv\">5 Sep 2026<\/span><span class=\"dk-sl\">Amendment Takes Effect<\/span><\/div>\n      <div class=\"dk-si\"><span class=\"dk-sv\">21 Aug 2026<\/span><span class=\"dk-sl\">Published In Resm&icirc; Gazete<\/span><\/div>\n      <div class=\"dk-si\"><span class=\"dk-sv\">15 Days<\/span><span class=\"dk-sl\">To Notify On Non-Sale Transfers<\/span><\/div>\n      <div class=\"dk-si\"><span class=\"dk-sv\">24 Hours<\/span><span class=\"dk-sl\">Insurer To Issue Endorsement<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- TWO COLUMN -->\n<section class=\"dks\">\n  <div class=\"dkc\">\n    <div class=\"dk-2col\">\n      <div class=\"dk-body\">\n        <span class=\"dkt\">The Change<\/span>\n        <h2 class=\"dk-title\">The policy no longer follows the property<\/h2>\n        <p>Compulsory earthquake insurance has been part of every Turkish property completion for years, and most foreign buyers meet it as a line on a closing checklist rather than as something they think hard about. That has been possible because the rule was forgiving: if the seller held a valid policy, it carried over to the buyer along with the building, and the new owner inherited whatever term was left to run.<\/p>\n        <p>That arrangement ends on 5 September 2026. An amendment to the Compulsory Earthquake Insurance General Terms &mdash; published in the <em>Resm&icirc; Gazete<\/em> on 21 August 2026 &mdash; provides that where a property changes hands through a sale or a comparable transaction for consideration, the existing policy terminates on the date the transfer is registered at the land registry. It does not lapse at the end of its term, and it does not transfer. It simply ends, on the day ownership moves.<\/p>\n        <p>In its place, the buyer is expected to hold cover in their own name. The amendment also gives that expectation teeth: at the point of transfer, the land registry directorate or other authorised institution checks whether compulsory earthquake insurance exists in the name of the new owner. For a buyer, this converts DASK from something arranged loosely around completion into a precondition of completion itself.<\/p>\n        <p>The seller is not simply out of pocket. Where a policy terminates because the property has been sold, the premium relating to the unexpired days can be refunded on application &mdash; a detail worth raising with your insurer at closing, because it depends on someone asking.<\/p>\n        <p>Not every transfer is treated this way. Where the interest in a property passes without a sale &mdash; inheritance and gifts are the everyday examples &mdash; the contract continues with the new interest holder rather than terminating, subject to a notification duty covered further down this page. If you are working through an estate, our guide to <a href=\"https:\/\/trupropertyturkey.com\/inheritance-law-in-turkey\/\">inheritance law in Turkey<\/a> sets out the wider position.<\/p>\n        <div class=\"dk-hbox\"><strong>Why this matters more to foreign buyers.<\/strong> A domestic buyer who arrives at the tapu office without cover can usually arrange a policy the same day through a local agent. A non-resident buyer completing under power of attorney, on a fixed travel window, or through a remote closing has far less slack. The practical fix is simple: move DASK from your post-completion list to your pre-completion list.<\/div>\n      <\/div>\n      <div class=\"dk-ov\">\n        <div class=\"dk-ov-head\">\n          <h3>The 5 September 2026 amendment at a glance<\/h3>\n          <p>Compulsory Earthquake Insurance General Terms, as amended<\/p>\n        <\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">Published<\/span><span class=\"dk-or\">Resm&icirc; Gazete, 21 Aug 2026<\/span><\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">In force from<\/span><span class=\"dk-or burg\">5 September 2026<\/span><\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">On sale<\/span><span class=\"dk-or burg\">Policy ends at registration<\/span><\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">Previously<\/span><span class=\"dk-or\">Policy passed to the buyer<\/span><\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">Unused premium<\/span><span class=\"dk-or\">Refundable on application<\/span><\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">Checked by<\/span><span class=\"dk-or\">Land registry at transfer<\/span><\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">Inheritance &amp; gifts<\/span><span class=\"dk-or\">Contract continues<\/span><\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">Notification window<\/span><span class=\"dk-or burg\">15 days<\/span><\/div>\n        <div class=\"dk-ov-row\"><span class=\"dk-ol\">Endorsement issued within<\/span><span class=\"dk-or\">24 hours<\/span><\/div>\n      <\/div>\n    <\/div>\n    <div class=\"dk-warn\" style=\"margin-top:36px;\"><strong>Do not rely on the seller&rsquo;s policy paperwork.<\/strong> If your completion is scheduled on or after 5 September 2026, a valid-looking DASK certificate in the seller&rsquo;s name tells you nothing about your own position &mdash; that policy is ending on the day you register the transfer. Ask your conveyancer to confirm in writing that a policy will exist in <em>your<\/em> name at the point of registration. Premium amounts, cover limits and tariff rates vary by location, building type and construction year, and we have deliberately not quoted them here; confirm current figures with a licensed insurer or adviser.<\/div>\n  <\/div>\n<\/section>\n\n<!-- STEPS -->\n<section class=\"dks dkg\">\n  <div class=\"dkc dkct\">\n    <span class=\"dkt\">At Completion<\/span>\n    <h2 class=\"dk-title\">How a purchase now runs through the DASK requirement<\/h2>\n    <p class=\"dk-sub\">The sequence a foreign buyer completing after 5 September 2026 should expect, and where the new check lands.<\/p>\n  <\/div>\n  <div class=\"dkc\">\n    <div class=\"dk-steps\" style=\"max-width:820px;margin-left:auto;margin-right:auto;\">\n      <div class=\"dk-step\">\n        <div class=\"dk-step-num\">1<\/div>\n        <div class=\"dk-step-body\"><h3>Confirm the property&rsquo;s registry details<\/h3><p>A compulsory earthquake policy is issued against the property itself &mdash; its land registry particulars, address and built area &mdash; not against a name in the abstract. Those details come off the title deed record, which is the same document your conveyancer should already be examining for annotations and encumbrances.<\/p><\/div>\n      <\/div>\n      <div class=\"dk-step\">\n        <div class=\"dk-step-num\">2<\/div>\n        <div class=\"dk-step-body\"><h3>Get your Turkish tax number in place first<\/h3><p>Insurance, banking and the title transfer all sit downstream of a Turkish tax number, so it belongs at the start of the sequence rather than the middle. A buyer without one will find several of the later steps simply cannot be started.<\/p><\/div>\n      <\/div>\n      <div class=\"dk-step\">\n        <div class=\"dk-step-num\">3<\/div>\n        <div class=\"dk-step-body\"><h3>Arrange cover in the buyer&rsquo;s name before the appointment<\/h3><p>Because the land registry checks for a policy in the name of the new owner at transfer, the policy has to exist before you sit down to register. Compulsory earthquake insurance is sold through licensed insurance companies and their agents; your conveyancer or agent will normally arrange it as part of the pre-completion pack.<\/p><\/div>\n      <\/div>\n      <div class=\"dk-step\">\n        <div class=\"dk-step-num\">4<\/div>\n        <div class=\"dk-step-body\"><h3>Let the seller close out their own policy<\/h3><p>The seller&rsquo;s cover terminates on the registration date by operation of the amended terms. They may apply for a refund of the premium relating to the unexpired days. This is the seller&rsquo;s administrative task rather than yours, but it is worth flagging in negotiation so nobody discovers it late.<\/p><\/div>\n      <\/div>\n      <div class=\"dk-step\">\n        <div class=\"dk-step-num\">5<\/div>\n        <div class=\"dk-step-body\"><h3>Complete the transfer at the land registry<\/h3><p>Ownership passes on registration. This is the moment the seller&rsquo;s policy ends and the moment your own cover needs to be live &mdash; the two events are tied to the same date by design, which is precisely why the gap has to be closed in advance.<\/p><\/div>\n      <\/div>\n      <div class=\"dk-step\">\n        <div class=\"dk-step-num\">6<\/div>\n        <div class=\"dk-step-body\"><h3>Open utilities and keep the policy current<\/h3><p>Utility subscriptions cannot be opened without compulsory earthquake insurance in place, so the policy you arranged for the transfer does double duty immediately afterwards. From then on it renews annually like any other policy, and remains a condition of future transactions on the property.<\/p><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CARDS -->\n<section class=\"dks\">\n  <div class=\"dkc dkct\">\n    <span class=\"dkt\">Scope Of Cover<\/span>\n    <h2 class=\"dk-title\">What compulsory earthquake insurance does and does not do<\/h2>\n    <p class=\"dk-sub\">DASK is a structural policy with a defined scope. Understanding its edges is what tells you whether you need anything else.<\/p>\n  <\/div>\n  <div class=\"dkc\">\n    <div class=\"dk-protect\">\n      <div class=\"dk-pc\"><span class=\"dk-pc-icon\">&#127968;<\/span><h3>It insures the structure<\/h3><p>Cover attaches to the building itself &mdash; foundations, load-bearing walls, columns, floors, stairs and roof. It is designed to put the structure back, not to restore how you had it finished.<\/p><\/div>\n      <div class=\"dk-pc\"><span class=\"dk-pc-icon\">&#127755;<\/span><h3>Earthquake and its consequences<\/h3><p>The policy responds to earthquake damage and to directly related events: fire, explosion, tsunami and landslide arising from an earthquake. That chain of consequence is part of the cover rather than an add-on.<\/p><\/div>\n      <div class=\"dk-pc\"><span class=\"dk-pc-icon\">&#128230;<\/span><h3>Not your contents<\/h3><p>Furniture, appliances, electronics, personal belongings and fit-out are outside the scope. Owners who want those protected buy a separate home contents policy alongside, which is the normal arrangement rather than an unusual one.<\/p><\/div>\n      <div class=\"dk-pc\"><span class=\"dk-pc-icon\">&#128273;<\/span><h3>A condition of transacting<\/h3><p>Beyond the protection itself, the policy functions as an administrative key. Without it the land registry will not complete a transfer and utility providers will not open subscriptions.<\/p><\/div>\n      <div class=\"dk-pc\"><span class=\"dk-pc-icon\">&#128203;<\/span><h3>Issued per property<\/h3><p>A policy is tied to a specific registered property, which is why the details on it must match the registry record. Buying a second property means a second policy rather than an extension of the first.<\/p><\/div>\n      <div class=\"dk-pc\"><span class=\"dk-pc-icon\">&#128260;<\/span><h3>Annual and renewable<\/h3><p>Cover runs for a term and is renewed. The 2026 amendment changes what happens on sale; it does not change the fact that an owner is expected to keep a current policy for as long as they hold the property.<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- TABLE -->\n<section class=\"dks dkg\">\n  <div class=\"dkc dkct\">\n    <span class=\"dkt\">Before And After<\/span>\n    <h2 class=\"dk-title\">What the amendment changes, side by side<\/h2>\n    <p class=\"dk-sub\">The position under the previous general terms compared with the position from 5 September 2026.<\/p>\n  <\/div>\n  <div class=\"dkc\">\n    <div class=\"dk-compare-wrap\">\n      <table class=\"dk-compare\">\n        <thead><tr><th>Situation<\/th><th>Before 5 September 2026<\/th><th>From 5 September 2026<\/th><\/tr><\/thead>\n        <tbody>\n          <tr><td>Property sold<\/td><td>Policy passed to the new owner for the rest of its term<\/td><td class=\"no\">Policy terminates on the registration date<\/td><\/tr>\n          <tr><td>Buyer&rsquo;s own policy<\/td><td>Not required at the point of transfer &mdash; cover was inherited<\/td><td class=\"yes\">Expected to exist in the buyer&rsquo;s name<\/td><\/tr>\n          <tr><td>Land registry check<\/td><td>No verification of cover in the new owner&rsquo;s name<\/td><td class=\"yes\">Registry checks for a policy in the new owner&rsquo;s name<\/td><\/tr>\n          <tr><td>Seller&rsquo;s unused premium<\/td><td>Ran on with the property, nothing to reclaim<\/td><td class=\"yes\">Refundable on application for the unexpired days<\/td><\/tr>\n          <tr><td>Inheritance or gift<\/td><td>Contract continued with the new interest holder<\/td><td>Contract still continues with the new interest holder<\/td><\/tr>\n          <tr><td>Notification duty<\/td><td>No fixed window in the general terms for this case<\/td><td class=\"yes\">New interest holder notifies within 15 days<\/td><\/tr>\n          <tr><td>Insurer&rsquo;s response<\/td><td>No fixed turnaround stated<\/td><td>Endorsement issued within 24 hours of notification<\/td><\/tr>\n          <tr><td>Utilities and transactions<\/td><td>Cover required to open utilities and to transfer<\/td><td>Unchanged &mdash; cover remains a condition of both<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CTA -->\n<div class=\"dk-cta-strip\">\n  <div class=\"dkc\">\n    <div class=\"dk-cta-in\">\n      <div>\n        <h3>Completing a Turkish purchase this autumn?<\/h3>\n        <p>We run the title, annotation and permit checks as standard, and make sure the pre-completion pack &mdash; tax number, banking and compulsory insurance &mdash; is in place before your tapu appointment.<\/p>\n      <\/div>\n      <a href=\"https:\/\/trupropertyturkey.com\/contact\/\" class=\"dkbtn\">Speak to Our Team &rarr;<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- FAQ -->\n<section class=\"dks\">\n  <div class=\"dkc dkct\">\n    <span class=\"dkt\">FAQ<\/span>\n    <h2 class=\"dk-title\">DASK earthquake insurance &mdash; frequently asked questions<\/h2>\n    <p class=\"dk-sub\">What foreign buyers ask most about compulsory earthquake insurance and the September 2026 change.<\/p>\n  <\/div>\n  <div class=\"dkc\">\n    <div class=\"dk-faq-list\">\n      <div class=\"dk-faq-item\">\n        <div class=\"dk-faq-q\" onclick=\"dkFaq(this)\">What is DASK and is it compulsory in Turkey?<span class=\"dk-faq-icon\">+<\/span><\/div>\n        <div class=\"dk-faq-a\">DASK \u2014 Do\u011fal Afet Sigortalar\u0131 Kurumu, Turkey&#x27;s Natural Disaster Insurance Institution \u2014 administers the compulsory earthquake insurance scheme known as Zorunlu Deprem Sigortas\u0131. It is compulsory rather than optional for residential buildings registered in the land registry, and it is enforced at the point of transaction: the Land Registry will not complete a transfer of ownership without it, and utility subscriptions such as electricity, water and gas cannot be opened without it either. The policy insures the building&#x27;s structure against earthquake damage and directly related consequences including fire, explosion, tsunami and landslide. It does not insure your furniture, belongings or fit-out, which is why most owners treat DASK as the legal floor and add a separate home contents policy on top.<\/div>\n      <\/div>\n      <div class=\"dk-faq-item\">\n        <div class=\"dk-faq-q\" onclick=\"dkFaq(this)\">What changed on 5 September 2026?<span class=\"dk-faq-icon\">+<\/span><\/div>\n        <div class=\"dk-faq-a\">An amendment to the Compulsory Earthquake Insurance General Terms \u2014 Zorunlu Deprem Sigortas\u0131 Genel \u015eartlar\u0131nda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Genel \u015eartlar \u2014 was published in the Resm\u00ee Gazete on 21 August 2026 and takes effect on 5 September 2026. The central change is that a DASK policy no longer travels with the property when it is sold. Where a property changes hands through a sale or a comparable transaction for consideration, the seller&#x27;s existing policy terminates on the date the transfer is registered at the land registry. Before this amendment the policy carried over to the new owner for the remainder of its term. From 5 September 2026 the buyer is expected to hold a policy in their own name instead.<\/div>\n      <\/div>\n      <div class=\"dk-faq-item\">\n        <div class=\"dk-faq-q\" onclick=\"dkFaq(this)\">Does the seller lose the premium they already paid?<span class=\"dk-faq-icon\">+<\/span><\/div>\n        <div class=\"dk-faq-a\">No. The amendment provides for a refund of the unused portion of the premium. Where the policy terminates because the property has been sold, the premium corresponding to the days remaining between the registration date and the original expiry date can be returned to the policyholder on application. Two points matter in practice. First, the refund is made on application rather than automatically, so a seller who does not ask may simply not receive it. Second, the calculation is proportional to the unexpired days, so the sooner the application is made after registration the less scope there is for confusion. Sellers should raise it with their insurer or agent as part of closing rather than months later.<\/div>\n      <\/div>\n      <div class=\"dk-faq-item\">\n        <div class=\"dk-faq-q\" onclick=\"dkFaq(this)\">Will the land registry check that I have a policy before completing my purchase?<span class=\"dk-faq-icon\">+<\/span><\/div>\n        <div class=\"dk-faq-a\">Yes. Under the amended terms, when a property changes hands by sale or a similar transaction, the land registry directorate \u2014 or whichever institution is authorised to carry out the transaction \u2014 checks whether compulsory earthquake insurance exists in the name of the new owner. This is the practical reason the change matters to foreign buyers more than it might first appear. Turning up at the tapu appointment relying on the seller&#x27;s policy is no longer a viable plan, because that policy is ending at exactly the moment you need cover to be in place. Arrange your own policy before the appointment, not after it.<\/div>\n      <\/div>\n      <div class=\"dk-faq-item\">\n        <div class=\"dk-faq-q\" onclick=\"dkFaq(this)\">What happens if I inherit a property or receive it as a gift?<span class=\"dk-faq-icon\">+<\/span><\/div>\n        <div class=\"dk-faq-a\">Transfers that are not sales are treated differently. Where the interest in the property passes to someone else without a sale \u2014 inheritance and gifts being the common examples \u2014 the existing insurance contract does not terminate. It continues with the new interest holder for the remainder of its term. There is, however, a notification duty attached: the new interest holder must notify the insurance company or its agent within fifteen days of learning of the change in ownership, and the insurer then issues an endorsement reflecting the new holder&#x27;s details within twenty-four hours. If you have inherited Turkish property, treat that fifteen-day window as a real deadline rather than a formality.<\/div>\n      <\/div>\n      <div class=\"dk-faq-item\">\n        <div class=\"dk-faq-q\" onclick=\"dkFaq(this)\">I am buying from abroad and cannot be in Turkey \u2014 how do I arrange DASK?<span class=\"dk-faq-icon\">+<\/span><\/div>\n        <div class=\"dk-faq-a\">This is the most common practical question, and it is usually solved through the same channel as the rest of a remote purchase. Compulsory earthquake insurance is sold by licensed insurance companies and their agents rather than by DASK directly, and a policy is issued against the property&#x27;s land registry details, its address and its built area. A buyer represented under a properly drafted power of attorney can normally have the policy arranged as part of the pre-completion checklist, alongside the tax number, the bank account and the title checks. Speak to your conveyancer early: because the land registry now verifies cover in the buyer&#x27;s name, DASK has moved from a post-completion chore to a pre-completion condition.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- FURTHER READING -->\n<section class=\"dks dkg\">\n  <div class=\"dkc dkct\">\n    <span class=\"dkt\">Keep Reading<\/span>\n    <h2 class=\"dk-title\">Where to go next<\/h2>\n    <p class=\"dk-sub\">The rest of our foreign-buyer library, from the title deed record to the full purchase walk-through.<\/p>\n  <\/div>\n  <div class=\"dkc\">\n    <div class=\"dk-body\" style=\"max-width:820px;margin:0 auto;\">\n      <ul>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/tapu-title-deed-turkey\/\">The tapu and Turkish title deeds<\/a> &mdash; what the deed records and how to read the annotations page.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/buying-property-in-turkey-pitfalls\/\">Seven pitfalls foreign buyers still fall into<\/a> &mdash; the avoidable omissions that cause most problems.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/habitation-certificate-turkey-iskan\/\">The habitation certificate (iskan)<\/a> &mdash; the occupancy permit and why a building without one is a problem.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/inheritance-law-in-turkey\/\">Inheritance law in Turkey<\/a> &mdash; how property passes on death and what heirs need to do.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/selling-property-in-turkey\/\">Selling property in Turkey<\/a> &mdash; the seller&rsquo;s side of the transaction, including closing out cover.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/turkey-property-law-changes-2026\/\">Turkey property law changes in 2026<\/a> &mdash; the wider regulatory picture for foreign buyers this year.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/turkey-property-guides\/\">All Turkey property guides<\/a> &mdash; our full index of buyer guides and area research.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/buyer-guide\/\">Turkey property buyer&rsquo;s guide<\/a> &mdash; the complete purchase walk-through for foreign buyers.<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CONTACT -->\n<section class=\"dk-contact\" id=\"dk-contact\">\n  <div class=\"dkc\">\n    <div class=\"dk-contact-inner\">\n      <div>\n        <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:18px;\">Complete With Confidence<\/span>\n        <h2 style=\"font-family:'Playfair Display',serif;font-size:clamp(1.5rem,4vw,2.1rem);color:#fff!important;margin-bottom:10px;line-height:1.2;\">Have the pre-completion checks run properly<\/h2>\n        <p style=\"color:rgba(255,255,255,.72)!important;font-size:.93rem;line-height:1.75;margin-bottom:24px;\">Tell us the property you are buying and we will make sure the title record, annotations, permits and compulsory insurance are all in order before you sit down at the land registry. We work with licensed Turkish conveyancers, appraisers and insurance agents.<\/p>\n        <div class=\"dk-contact-meta\">\n          <div class=\"dk-ci\"><span>&#128220;<\/span><span class=\"dk-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Title &amp; Due Diligence<\/strong><a href=\"https:\/\/trupropertyturkey.com\/legal-services\/\">Legal services &rarr;<\/a><\/span><\/div>\n          <div class=\"dk-ci\"><span>&#127465;&#127472;<\/span><span class=\"dk-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Citizenship by Investment<\/strong><a href=\"https:\/\/trupropertyturkey.com\/turkish-citizenship\/\">Turkish citizenship programme &rarr;<\/a><\/span><\/div>\n          <div class=\"dk-ci\"><span>&#127758;<\/span><span class=\"dk-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Offices<\/strong><span>Dubai &middot; Istanbul &middot; Moscow<\/span><\/span><\/div>\n        <\/div>\n        <div style=\"margin-top:24px;\">\n          <a href=\"https:\/\/trupropertyturkey.com\/contact\/\" class=\"dkbg\">Get in Touch &rarr;<\/a>\n        <\/div>\n      <\/div>\n      <div class=\"dk-form-wrap\">\n        <iframe aria-label=\"Contact Us\" frameborder=\"0\" style=\"height:520px;width:100%;border:none;display:block;\" data-src=\"https:\/\/forms.zohopublic.com\/elchintru1\/form\/ContactUs\/formperma\/_DensyNXfgDItjE-TsZ92uQERcSIhTnizr-QPf3wrBk\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div class=\"dk-footer-strip\">\n  &copy; 2026 TruProperty Turkey &middot; Dubai &middot; Istanbul &middot; Moscow<br>\n  <a href=\"https:\/\/trupropertyturkey.com\/buyer-guide\/\">Buyer&rsquo;s Guide<\/a> &middot; <a href=\"https:\/\/trupropertyturkey.com\/turkey-property-guides\/\">Property Guides<\/a> &middot; <a href=\"https:\/\/trupropertyturkey.com\/contact\/\">Contact<\/a>\n<\/div>\n\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is DASK and is it compulsory in Turkey?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"DASK \u2014 Do\u011fal Afet Sigortalar\u0131 Kurumu, Turkey's Natural Disaster Insurance Institution \u2014 administers the compulsory earthquake insurance scheme known as Zorunlu Deprem Sigortas\u0131. It is compulsory rather than optional for residential buildings registered in the land registry, and it is enforced at the point of transaction: the Land Registry will not complete a transfer of ownership without it, and utility subscriptions such as electricity, water and gas cannot be opened without it either. The policy insures the building's structure against earthquake damage and directly related consequences including fire, explosion, tsunami and landslide. It does not insure your furniture, belongings or fit-out, which is why most owners treat DASK as the legal floor and add a separate home contents policy on top.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What changed on 5 September 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"An amendment to the Compulsory Earthquake Insurance General Terms \u2014 Zorunlu Deprem Sigortas\u0131 Genel \u015eartlar\u0131nda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Genel \u015eartlar \u2014 was published in the Resm\u00ee Gazete on 21 August 2026 and takes effect on 5 September 2026. The central change is that a DASK policy no longer travels with the property when it is sold. Where a property changes hands through a sale or a comparable transaction for consideration, the seller's existing policy terminates on the date the transfer is registered at the land registry. Before this amendment the policy carried over to the new owner for the remainder of its term. From 5 September 2026 the buyer is expected to hold a policy in their own name instead.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the seller lose the premium they already paid?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. The amendment provides for a refund of the unused portion of the premium. Where the policy terminates because the property has been sold, the premium corresponding to the days remaining between the registration date and the original expiry date can be returned to the policyholder on application. Two points matter in practice. First, the refund is made on application rather than automatically, so a seller who does not ask may simply not receive it. 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Turning up at the tapu appointment relying on the seller's policy is no longer a viable plan, because that policy is ending at exactly the moment you need cover to be in place. Arrange your own policy before the appointment, not after it.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if I inherit a property or receive it as a gift?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Transfers that are not sales are treated differently. Where the interest in the property passes to someone else without a sale \u2014 inheritance and gifts being the common examples \u2014 the existing insurance contract does not terminate. It continues with the new interest holder for the remainder of its term. There is, however, a notification duty attached: the new interest holder must notify the insurance company or its agent within fifteen days of learning of the change in ownership, and the insurer then issues an endorsement reflecting the new holder's details within twenty-four hours. If you have inherited Turkish property, treat that fifteen-day window as a real deadline rather than a formality.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"I am buying from abroad and cannot be in Turkey \u2014 how do I arrange DASK?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"This is the most common practical question, and it is usually solved through the same channel as the rest of a remote purchase. Compulsory earthquake insurance is sold by licensed insurance companies and their agents rather than by DASK directly, and a policy is issued against the property's land registry details, its address and its built area. 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What foreign buyers completing this autumn need to arrange before the tapu appointment.<\/p>","protected":false},"author":3,"featured_media":22421,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[140],"tags":[],"class_list":["post-46809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>DASK Earthquake Insurance Turkey: 2026 Rule Change<\/title>\n<meta name=\"description\" content=\"From 5 September 2026 a seller&#039;s DASK earthquake insurance in Turkey ends at title registration. What foreign buyers must arrange before completion.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trupropertyturkey.com\/ru\/dask-earthquake-insurance-turkey\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DASK Earthquake Insurance in Turkey: What Changes on 5 September 2026\" \/>\n<meta property=\"og:description\" content=\"From 5 September 2026 a seller&#039;s DASK earthquake insurance in Turkey ends at title registration. 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