Kilyos Insurance for Summer Houses, Holiday Lets and Cars

Kilyos, on Istanbul’s Black Sea coast, is known for its beaches and comes alive in summer. A large share of the homes here are summer houses: full in the warm months, closed for weeks or even months in winter. Some belong to foreign residents who live in the city and use Kilyos as a weekend retreat. From an insurance point of view, this pattern is very different from a home lived in all year, and the policy has to be built accordingly.

The risks of an empty house

When nobody is there, a small problem can grow. A frozen or cracked pipe can run for days, and a break-in may only be noticed on the next visit. Along the Black Sea shore, winter wind and rain can also damage walls, roofs and windows. When we arrange home insurance for a summer house, we always discuss:

• Declaring correctly whether it is a summer house or a permanent home
• Whether any cover has conditions linked to how long the house stays empty
• Cover for water damage from plumbing and for storm and rain damage
• Belongings left in the house over winter and their value on the policy

An accurate declaration is the surest way to avoid hearing “the use of the home was declared differently” after a loss.

DASK is compulsory for summer houses too

A frequent question: “I do not live there permanently, do I still need DASK?” For registered homes, DASK is compulsory under Law No. 6305, whether or not the home is a summer house. The policy is also requested for electricity and water contracts and at the land registry. A summer house DASK expiring unnoticed in winter is common; you can leave tracking the date to us.

If you let the summer house

Some owners in Kilyos let their summer house for part of the season. Then it matters even more that the policy reflects how the house is used. The tenant’s own belongings may not fall under your policy, and how damage caused by a tenant is handled depends on the policy conditions. Reviewing the policy with us before letting avoids an unpleasant surprise at the end of the season. Suggesting that your tenant arranges short-term cover for their own belongings reassures both sides.

The car in the summer months

In summer, driving back and forth between the city and Kilyos means beach car parks at weekends and crowded roads. Minor collisions, parking damage and broken glass can become more frequent. Compulsory traffic insurance only covers damage to others, so to protect your own car kasko, Turkish comprehensive motor insurance, is important. Salty air and sandy roads are also worth raising when choosing kasko: which damage is included and which is not? In summer, different family members, or visiting friends from abroad, often drive the same car; knowing the driver conditions in advance prevents surprises. A car used little in winter still needs continuous traffic insurance. If you leave it at the summer house over winter, whether it is parked under cover and how often it is checked are also points to discuss.

A quote for your Kilyos home from the city

You do not need to be in Kilyos to insure your summer house. Send the title deed details, photos of the house and how it is used on WhatsApp to +90 530 375 89 61, and we will compare the terms of several insurers for you. Reviewing policies in spring, before the season opens, is a good habit. Our office is at Maslak Mah. Atatürk Oto Sanayi Sitesi 1. Kısım, 40. Sokak No: 296, Sarıyer, open weekdays 09:00–18:00 and Saturday 09:00–13:30. We can help in English.

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