 |
Compulsory Earthquake Insurance covers independent parts that are mentioned at law 634 about flat ownership,immovables and buildings and residence places that are constracted on the private land and registered to title, and independent part that take place in these buildings such as offices and work shops, and residence places constructed by the government and given by the government as a result of natural disaster. |
Buildings that are not covered by this insurance;
- Buildings that belong to government and relevant associations to the governtment
- Buildings that are built at village residence places
- Buildings that are fully used for commercial or industrial purposes
- Buildings that are built after 27.December.1999 but that do not have any licence for construction within the frame of the relevant law
Calculation of the Insurance Premium
1 . While seperating the earthquake regions, The “TURKEY EARTHQUAKE REGIONS MAP” prepared by the Ministry of Development and Settlement is accepted. Please choose which is the earthquake region for your your building.
- 1.
REGION
Adalar, Amasya, Aydın, Ayvalık, Balıkesir, Bandırma, Biga, Bilecik, Bingöl, Bitlis, Bolu, Burdur, Bursa, Çanakkale, Çankırı, Denizli, Erdek, Erzincan, Erzurum, Gölcük, Hakkari, Hatay, Isparta, İskenderun, İstanbul Anadolu Yakası, İzmir, Kastamonu, Kırıkkale, Kırşehir, Kocaeli, Köşeköy, Manisa, Muğla, Muş, Sakarya, Tokat.
- 2.
REGION
Adana, Adıyaman, Afyon, Ağrı, Altınoluk, Antakya, Batman, Bozöyük, Çorum, Diyarbakır, Elazığ, Eskişehir, İstanbul Avrupa Yakası, K.Maraş, Kandıra, Kars, Kütahya, Malatya, Samsun, Şırnak, Tekirdağ, Tunceli, Uşak, Zonguldak.
- 3. REGION
Ankara, Bayburt, Gaziantep, Gümüşhane, İçel, Kayseri, Mardin, Nevşehir, Ordu, Urfa, Yozgat.
- 4. REGION
Alanya, Edirne, Giresun, Kırklareli, Konya, Niğde, Rize, Sinop, Trabzon.
- 5. REGION
Aksaray, Karaman
2 .
Choose the construction type of the building.
Steel, Cement, Carcas Buildings |
|
The buildings such as steel, cement and carrier carcas have materuals without any gap and they have cement at floor, stairs and ceilings. |
Old type constructions |
|
Not being carcas, and its walls having, garbage stone, cut stone or brickets with or without gaps and they have cement at floor, stairs and ceilings. |
Other Constructions |
|
These are buildings that are not included in the above groups. |
3 . Make your necessary calculation according to below given chart.
PRICE |
|
1.REGION |
2.REGION |
3.REGION |
4.REGION |
5.REGION |
Steel, cement construction |
2.20 |
1.55 |
0.83 |
0.55 |
0.44 |
Old type construction |
3.85 |
2.75 |
1.43 |
0.60 |
0.50 |
Other construction |
5.50 |
3.53 |
1.76 |
0.78 |
0.58 |
SQUAREMETER VALUE |
|
M2 Price (YTL) |
Steel, cement construction |
450 YTL |
Old type construction |
320 YTL |
Other construction |
170 YTL |
ABOUT GROSS M2 OF THE BUILDING x M2 VALUE (YTL) = INSURANCE VALUE (YTL)
INSURANCE VALUE (YTL) x PRICE / 1000 = INSURANCE PREMIUM (YTL)
The insurance sum of the residence place insured by compulsory earthquake insurance cannot exceed the maximum security amount
Maximum security amount: : Maximum security amount for all kinds of constructions is 110.000 YTL within the cover of the compulsory earthquake insurance for a residence place.
Exception : At each damage, 2% discount exception is taken over the value of the insurance. Natural disasters Insurance Association is responsible for the exceeding part of this exception part. For the practice of the exception, ech 72 hours term is accepted as a damage.
Term of insurance : Term of insurence is for 1 (one) year.
Authorised Insurance agencies and collection of the premiums : Compulsory Earthquake Insurance is made by insurance companies and their agencies that are authorised to make contracts on behalf of Natural disasters Insurance Association. Insurance companies that are authorised to make contracts on behalf of Natural disasters Insurance Association collect the Premium amount in cash according to price list and regulations.
Optional insurance : other associations or people except Natural disasters Insurance Association cannotmake compulsory earthquake insurance. However, if the value of the independent part or itself of a building is more than 110.000 YTL , for the exceeding partof the 110.000 YTL , with a condition that the compulsory earthquake insurance is made, optional earthquake insurance can be made by the insurance companies.
Validity : This pricing and order is valid starting from 27 September 2000.
|
