Earthquake is a 'Reality', Taking Precautions is a 'Necessity'

After the 6 February earthquakes, Kürşat KÖZ, General Manager of Sigortambir, who called for mobilisation with the message "ZERO TOLERANCE in Compulsory Earthquake Insurance awareness", reiterated his call on the anniversary of the earthquake and said, "Our target in Turkey, which is located in the earthquake zone, should be 100 percent conscious insurance. For complete financial security, Compulsory Earthquake Insurance and Home Insurance must be taken out together."

After the 6 February earthquakes, Kürşat KÖZ, General Manager of Sigortambir, who called for mobilisation with the message "ZERO TOLERANCE in Compulsory Earthquake Insurance awareness", reiterated his call on the anniversary of the earthquake and said, "Our target in Turkey, which is located in the earthquake zone, should be 100 percent conscious insurance. For complete financial security, Compulsory Earthquake Insurance and Home Insurance must be taken out together."

Established after the 17 August 1999 Marmara Earthquake, the Natural Disaster Insurance Pool (TCIP) made a total of 35 billion 906 million 326 thousand 376 TL in post-earthquake damage payments from the date of its establishment until 6 November 2023. Approximately 96 percent of this payment, i.e. 34 billion 440 million 530 thousand 375 TL, was recorded as damage payments made only after the February 6 earthquakes.

According to the data of the Presidency Strategy and Budget Directorate, the total material damage and economic and financial losses caused by the 6 February earthquakes in 11 provinces exceeded 2 trillion TL. This balance sheet was about 6 times higher than the Marmara Earthquake.

This financial picture has once again revealed the fact that the most important financial assurance of people who face major disasters is Compulsory Earthquake Insurance and Home Insurance.

On 6 February 2023, exactly one year passed after the disaster of the century. The disaster in the region was so great that even today, the traces of the disaster have not been erased.

Another fact that emerged after the sad disaster one year ago was that "insurance awareness" was not at the desired level in Turkey, despite the cities that were destroyed and lives that were turned upside down in many devastating disasters in the past, especially the Great Marmara Earthquake.

In fact, in the region covering 11 provinces where a major disaster struck on 6 February, the rate of houses with TCIP Compulsory Earthquake Insurance was only 50 percent. In Turkey as a whole, this rate was 56 per cent.

FINANCIAL ASSURANCE COMPULSORY EARTHQUAKE INSURANCE

Kürşat KÖZ, General Manager of Sigortambir, stated that earthquake insurance is the most important guarantee that can repair the damages of the great disaster and provide financial security to people. Emphasising that the "Compulsory Earthquake Insurance Mobilisation", which they rapidly implemented after the February earthquakes and called on the sector to continue, KÖZ said: "The extent of the benefits provided by Compulsory Earthquake Insurance to people was also seen in the official figures shared after the disaster. Accordingly, a total of 35 billion 906 million 326 thousand TL damage payment was made for the houses damaged in the earthquake with Compulsory Earthquake Insurance since its establishment in 2000 until today, including the year 2023.

Of this amount, 34 billion 440 million TL, i.e. 96 percent, was recorded as the amount paid after the February 6 earthquakes."

The highest damage payment within the scope of TCIP was made to Hatay with 9 billion 405 million TL, followed by Malatya with 7 billion 477 million TL and Kahramanmaraş with 5 billion 203 million TL.

THE TARGET IS 100 PER CENT CONSCIOUS INSURED

On the other hand, according to the data on TCIP submitted to the Grand National Assembly of Turkey by the Insurance and Private Pension Regulation and Supervision Agency, as of November 2023, only 11 million 302 thousand 663 out of a total of 20 million 32 thousand houses in Turkey were insured.

In some provinces, low insurance rates have started to increase after the earthquakes. This rate increased from 9 per cent to 78 per cent in Van, from 35 per cent to 69 per cent in Elazığ and from 38 per cent to 60 per cent in Malatya.

Drawing attention to the high insurance coverage rates in some provinces in Turkey where major earthquakes have occurred, KÖZ said, "This rate has been recorded as 92 percent in Bolu and Düzce, and 88 percent in Yalova. However, these rates are unfortunately not sufficient for us. In Turkey, which is located in an earthquake zone, the target should be 100 per cent insurance coverage. In order to achieve this, we must explain to everyone one by one that the financial assurance offered by insurance after an earthquake is a second chance to start life anew. We invite the entire sector to contribute to this awareness-raising movement."

FOR FULL FINANCIAL SECURITY, COMPULSORY EARTHQUAKE INSURANCE AND HOME INSURANCE ARE A MUST!

Kürşat KÖZ, General Manager of Sigortambir, pointed out that people in Turkey still take out insurance out of obligation rather than being aware of the benefits of insurance, and emphasised the importance of taking out Compulsory Earthquake Insurance as well as Home Insurance for full financial security.

KÖZ said the following: "As of 01.01.2024, Compulsory Earthquake Insurance coverage has been updated. Accordingly, the construction unit square metre cost of 3 thousand 16 TL increased to 6 thousand TL. To explain, the amount to be received from TCIP for a 100 square metre house is limited to 600 thousand TL. In order to cover the missing value, Home Insurance is needed. This is where the importance of Home Insurance emerges.

Our citizens who want to get more coverage, such as securing their belongings, can get voluntary insurance from our insurance companies without any upper limit on the compulsory insurance coverage, which is the amount TCIP is responsible for."

' WE MUST BE PREPARED FOR ISTANBUL EARTHQUAKE'


The earthquake expected to occur at any moment in the Marmara Region continues to worry Turkey. In the region, 4 million 437 thousand 453 of 6 million 840 thousand houses are insured. In other words, there are approximately 2.5 million uninsured houses in the region with an insurance rate of 64.90 per cent.

Kürşat KÖZ, General Manager of Sigortambir, who also warned about the Marmara Region, said: "In the Marmara Earthquake, which scientists frequently point out will occur, much greater economic damages are predicted than those experienced so far. It is necessary to be prepared in every aspect, including 100 per cent Earthquake and Home Insurance".

06 Şub 2024 - 16:01 - English

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