New Regulation in DASK Process for House Sales
In line with the recommendation decision of the Ombudsman Institution, the compulsory earthquake insurance practice was changed, ensuring that old policies are canceled during house sales and unused premiums are refunded.
Following the recommendation decision of the Ombudsman Institution, an important regulation was made in the compulsory earthquake insurance practice, bringing a solution to the issues of duplicate policies and premium refunds experienced during house sales.
Citizen Application
A citizen stated that after selling their house, when the new owner used a housing loan, the compulsory earthquake insurance was taken out again for the same residence, resulting in two separate policies issued for the same house.
Stating that they encountered a complicated process when they wanted to get back the unused portion of the money they paid in the case of a duplicate policy, the citizen applied to have their grievance resolved.
Ombudsman Institution Decision
As a result of the examination conducted by the Ombudsman Institution, it was decided to review the current practice and establish a system where citizens can use their rights more easily.
In this context, the Institution issued official recommendation decisions to the Presidency of the Insurance and Private Pension Regulation and Supervision Agency and the Presidency of the Natural Disaster Insurance Institution.
Official Gazette Regulation
Upon the recommendation of the Ombudsman Institution, comprehensive legislative work was initiated by the Presidency of the Insurance and Private Pension Regulation and Supervision Agency.
With the completion of the studies, the newly prepared regulation entered into force by being published in the Official Gazette dated August 21, 2026.
Premium Refund Practice
According to the newly published regulation, when a house is sold, the compulsory earthquake insurance policy belonging to the former owner will automatically terminate as of the date of the sales registration at the land registry.
The premium amount corresponding to the unused days of the policy will be fully refunded to the former homeowner, and a separate policy will be made for the new homeowner.