Rumelikavağı Insurance for Homes, Pier Businesses and Cars

Rumelikavağı sits on the northern Bosphorus where the strait approaches the Black Sea, known for its ferry pier and the businesses along the shore. On weekdays it has the feel of a village; at weekends visitors pour in. Most residents reach the city centre by car, and the businesses around the pier swing between busy and quiet periods. Insurance has to reflect both. It is also common for the same person to live here and own a business by the pier, so we treat home, business and car policies as parts of one plan.

Homes for people who live here

Detached houses spread across the hillsides, small apartment blocks and homes with gardens are typical of Rumelikavağı. DASK, the compulsory earthquake insurance, is required for registered homes, but to protect your house against everyday risks as well as earthquakes, home insurance is important. Topics we discuss specifically in this neighbourhood:

• Damage to roofs, chimneys and exterior walls in rainy and windy weather
• Water damage in houses with old plumbing
• How items kept in gardens and on terraces are treated on the policy
• Whether the home is lived in all year or only at certain times

If you let your home for part of the year

Because it is a calm seaside spot, some owners let their homes to others for certain periods, including to foreign visitors. In that case the way the home is used must be declared correctly to the insurer; a home you live in and a home let for short stays may not be treated the same way. Guests’ own belongings may not fall under your policy, and third-party liability becomes especially relevant in this scenario.

Businesses around the pier

For a fish restaurant, café, kiosk or souvenir shop, business insurance should be set up with both the busy season and the winter months in mind. Weekend crowds raise liability risk from customers; in winter, long closed hours bring theft and unnoticed water damage to the fore. Kitchen equipment, refrigeration and glazed frontages are also on the list. If you replace tables, chairs or kitchen appliances at the start of the season, add them to the policy, or they stay insured at the old value. On days when the business is closed in winter, doors, shutters and the alarm should match what was declared on the policy, which matters for theft cover.

Kasko for the daily commute

For residents who drive every day to the city centre and the business districts, kasko (comprehensive motor insurance) matters alongside compulsory traffic insurance. The winding coast road, narrow village streets and parking on slopes make minor damage a frequent event. When choosing kasko, look at the roadside assistance and towing service; how it works when your car breaks down varies from policy to policy. For shopkeepers carrying supplies for their business, stating the purpose of use correctly on the registration and the policy is a precondition for a smooth claim.

How to work with us

We are an agency working with several insurers and have been in insurance since 1996. You can get a quote without travelling to Maslak by sharing your title deed, address, vehicle registration or business details by phone or WhatsApp. Our offers show the differences in cover next to the price. If you would rather meet, we are at Maslak Mah. Atatürk Oto Sanayi Sitesi 1. Kısım, 40. Sokak No: 296, Sarıyer, weekdays 09:00–18:00 or Saturday 09:00–13:30. Phone or WhatsApp: +90 530 375 89 61, with support in English.

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