TR · Expiry & renewal tracking
Don't miss the renewal date of your DASK policies
Türkiye's compulsory earthquake insurance (DASK) policy runs for one year and must be renewed yearly by the owner or usufruct holder (Disaster Insurance Law No. 6305, Article 10(3)). If not renewed, DASK's liability ends on the expiry date, and land registry transactions need proof of valid insurance (Article 11(2)).
Under Türkiye's Disaster Insurance Law No. 6305, compulsory earthquake insurance covers independent units under the Condominium Law, buildings built as dwellings on land registered and privately owned, independent units in those buildings used as shops, offices and the like, and dwellings built by the State or with State credit because of natural disasters. Owners or usufruct holders take out the insurance and it is renewed every year (Article 10(1) and 10(3)).
According to the Natural Disaster Insurance Institution (DASK), the compulsory earthquake insurance policy runs for 1 year and must be renewed every year. If it is not renewed by its expiry date, DASK's liability for cover ends on the expiry date stated in the policy.
At a glance
| Policy term | 1 year; renewed every year (Law, Article 10(3); DASK) |
|---|---|
| Who takes it out | The owner or usufruct holder (Law, Article 10(3)) |
| If not renewed | DASK's liability for cover ends on the policy's expiry date (DASK) |
| Land registry transactions | Registration and deregistration are not carried out unless valid insurance on the transaction date is documented (Article 11(2)) |
| Water and electricity subscriptions | The insurance is checked when subscriptions are opened (Article 11(3)) |
| Legal basis | Disaster Insurance Law No. 6305, Articles 10–13 |
Buildings subject to the Public Housing Law or used as public service buildings, buildings in village settlements built by people registered in and permanently living in the village, and buildings used entirely for non-residential purposes (even under the Condominium Law) are not subject to compulsory earthquake insurance (Article 10(2)).
Who is responsible?
The owner or usufruct holder takes out the policy (Law, Article 10(3)); according to DASK, renewal is the insured's responsibility. A tenant cannot take out compulsory earthquake insurance in their own name, but can take it out on the owner's behalf as the policyholder (DASK). All insurance companies, their agents and bank branches issue policies on behalf of DASK (DASK).
If the deadline passes
If the policy is not renewed by its expiry date, DASK's liability for cover ends on that date (DASK). Land registry registrations and deregistrations are not carried out without documented valid insurance (Law, Article 11(2)).
Alterations can affect compensation
The owner or usufruct holder must take the necessary measures against the building or its units being altered or weakened contrary to the project in a way that harms the load-bearing system. If damage is found to result from such an alteration, the right to compensation is lost (Article 12). For insured buildings, earthquake damage compensation is paid within thirty days at the latest once the required information and documents and the damage assessment are complete (Article 13(2)).
Tracking it with ExpirySuite
- Add each independent unit or building as a separate asset, upload the DASK policy as a file and enter the policy expiry date.
- Email reminders arrive 60, 30, 14, 7 and 1 days before expiry and on the expiry day, so you can plan the renewal before the expiry date.
- For properties you manage, you can request the renewed policy from the policyholder through a secure link valid for 14 days, without them needing an account.
- Assign the person who follows up renewals as the document owner; expired policies are also reported to managers on days 3, 7 and 14.
Frequently asked questions
- How long is a DASK policy valid?
- One year. The policy must be renewed every year (Law No. 6305, Article 10(3); DASK).
- What happens if DASK is not renewed?
- DASK's liability for cover ends on the expiry date stated in the policy (DASK).
- Are business premises covered by compulsory earthquake insurance?
- Independent units used as shops, offices and the like inside buildings built as dwellings are covered. Buildings used entirely for non-residential purposes are not subject to compulsory earthquake insurance (Law, Article 10(1) and 10(2)).
- Can a tenant take out DASK?
- Not in their own name; they can take it out on the owner's behalf as the policyholder (DASK).
- Is DASK checked in land registry transactions?
- Yes. Land registry offices do not carry out registration or deregistration for insured units and buildings unless valid compulsory earthquake insurance on the transaction date is documented (Law, Article 11(2)).
Sources
- Afet Sigortaları Kanunu No. 6305 (Disaster Insurance Law), Articles 10, 11, 12 and 13 (mevzuat.gov.tr, in Turkish)
- Doğal Afet Sigortaları Kurumu (DASK), Frequently Asked Questions (in Turkish)
Last checked: Sep 30, 2026 · This page summarises official sources for general information and is not legal advice. Check the linked sources for current rules and fees.
Made for compulsory earthquake insurance, DASK (Türkiye)
A ready template for compulsory earthquake insurance, DASK (Türkiye) with sensible validity defaults, so you enter less and track more.
Reminders on time
Email alerts at 60, 30, 14, 7 and 1 day before each compulsory earthquake insurance, DASK (Türkiye) expires, plus overdue escalation to managers.
Assign an owner
Give each compulsory earthquake insurance, DASK (Türkiye) an owner and let employees update their own via a secure link — no login needed.