Zekeriyaköy Insurance for Villas, Family Cars and Health

Zekeriyaköy, in the green north of Sarıyer, is known for detached houses, villas and homes with large gardens. Life here is clearly different from apartment living in the city: the house is bigger, the garden and outdoor areas are part of the home, and work and school usually mean a daily drive. Many international families have settled here for exactly this lifestyle. Building insurance around these differences gives you cover that actually works instead of a standard package.

What to insure in a villa or detached house

In an apartment, building risk is shared with neighbours; in a detached house the whole structure is your responsibility. When we set up home insurance, we go through each element:

• Main house and outbuildings: a garage, storeroom or separate garden building may need to be named on the policy.
• Garden walls, fences and gates: some policies place these under a separate section.
• Pool and outdoor equipment: pumps, lighting and garden furniture are treated differently by different policies.
• Theft: a detached house has more points of entry, so declaring alarms and cameras matters.
• Earthquake: DASK is compulsory for registered homes but covers the building only up to a set limit. For a large villa, value above that limit and the contents should be considered under the earthquake section of a home policy.

Driving into the city every day

Many households in Zekeriyaköy run more than one car: one for work, another for the school run or shopping. Every vehicle needs compulsory traffic insurance. For cars covering long daily distances, kasko (comprehensive motor insurance) protects both against your own damage and the situation of being stranded on the road. When comparing kasko, always check the replacement car cover: when your car is in the garage, getting around out here is harder than in the centre. We keep all the family’s renewal dates on one list and remind you ahead of each.

When someone in the family gets a new licence

Outside the city, young people start driving as soon as they have their licence, because it is simply the most practical way to get around. Who drives the car and how experienced they are can affect kasko conditions; some policies set specific driver or age terms. Telling us when a new driver joins the household prevents a problem such as “the driver did not meet the policy conditions” at claim time. If the young driver buys a car in their own name, traffic insurance and kasko start from scratch as a new policy.

A plan for the family’s health

For families who need time to reach hospitals in the city, whether the hospitals you want to use are in the policy’s contracted network becomes important. When choosing health insurance we look at the needs of children, parents and working family members together, and explain the difference between complementary and private health insurance in plain language. Complementary policies pay the extra fee only at private hospitals contracted with SGK, the Social Security Institution, and under the policy terms, so check that your preferred hospital works with both SGK and the insurer. More on our health insurance page.

The quotation process

For an accurate villa quote we need the floor area, construction type, outbuildings and security measures. Send them with photos on WhatsApp, or meet us at our Maslak office. We present offers from several insurers side by side. If you are coming into town, we are at Maslak Mah. Atatürk Oto Sanayi Sitesi 1. Kısım, 40. Sokak No: 296, Sarıyer, weekdays 09:00–18:00 and Saturday 09:00–13:30. Call +90 530 375 89 61 or message us; English support is available.

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