Disaster insuriance in Turkey

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DISASTER AND EMERGENCY MANAGEMENT PRESIDENCY
DISASTER INSURANCE IN TURKEY
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
08-12 April 2013, ANTALYA
Workshop on integrated flood management, flood
forecasting
and early warnings
Özlem
VELİOĞLU
MSc. Geological Engineer
TURKISH CATASTROPHE
INSURANCE POOL (TCIP)
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Because of the geologic and topographic structure and climate attributes of
Turkey, it is frequently confronted with natural disasters that lead to immense
losses of life and property.
Natural disasters that affect Turkey can be put in order according to their
severity:
• earthquakes, landslides, water floods, rock sliding, fires, avalanches, storms
and underground water movements.
Within the past sixty years, when the statistics of the structural damage
caused by the natural disasters are taken into consideration, it is observed
that 2/3 of these damages occur due to earthquakes. As a result, in Turkey
when natural disasters are mentioned, the first thing that comes to mind is
earthquakes.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Earthquake Zonation Map of Turkey
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Disasters in Turkey (in the last 100 years according to damaged houses)
5%
Avalanche
and other
%1
4% 1%
14%
61%
15%
Fire
%4
Rock Fall
%5
Flood
%14
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Landslide
%15
Earthquake
%61
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
SCOPE OF INSURANCE
The Turkish Catastrophe Insurance Pool (TCIP) covers
property (material) damages caused directly by
earthquakes and other perils of fire, explosion, tsunami
or landslide caused by earthquake for up to the sum
insured under the Compulsory Earthquake Insurance
Policy.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Natural Disaster Insurance Institution (TCIP)
Established in 2000, Natural Disaster
Insurance Institution (TCIP) is legal entity
which is responsible for provision,
implementation and management of
Compulsory Earthquake Insurance in our
country.
TCIP aims at the continuance of citizens
’’life safely after the earthquake from
where it is left.’’ With Compulsory;
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Why TCIP
The geological
structure of the
country
Burden the
state
budget
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Widespraed
lack of
awareness of
insurance
TCIP’s aims
• Earthquake Insurance, insured house owners are provided with pecuniary
assurance against earthquake and the risks of fire, explosion, landslide
and tsunami following the earthquake.
• It mediates the normalization of life by indemnifying the building's
damage immediately whether the building is inhabitable or partially
damaged.
• While improving the penetration of Compulsory Earthquake Insurance
countrywide with a distribution network consisting of its partner
insurance companies, their agencies and bank branches, TCIP aims at
enabling everyone to have this assurance with its low premium costs.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
We can list main purposes of this system;
• Insure of all covered houses against earthquakes with affordable premiums
• Enabling risk sharing in the country
• Distribution of the financial liability of earthquake damages for our country to
international reinsurance and capital markets via insurance
• Reducing the financial liability of the government that is caused by the earthquakes
– especially the construction of disaster houses after the earthquake.
• Prevention of potential additional taxes which is caused by the government's
financial liabilities and which will be reflected on the citizens
• Usage of insurance system in the construction of healthy building as an incentive
tool
• Provision of long-term resource accumulation in terms of meeting the earthquake
losses
• Contribution to the development of insurance and social cohesion consciousness in
the society
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
STRUCTURE OF THE TCIP
The fundamental structure of
TCIP is based on the publicprivate partnership initiation;
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Insurable property
Buildings and dwellings subject to compulsory earthquake insurance are as
follows:
• Buildings constructed as dwellings on lands subject to private
ownership and have registered title deeds.
• Independent sections within the context of the Condominium
Law No: 634.
• Independent sections situated inside residential buildings but
used as small business establishments, bureaus, and similar
purposes.
• By reason of natural disasters, properties built by the government
or built by housing credit.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Uninsurable property
• Dwellings belonging to public body and institutions.
• Dwellings built in residential areas of villages.
• Dwellings entirely used for commercial and
industrial purposes (block of offices, business centers,
administrative service buildings, training center buildings
etc.),
• Dwellings that are still under construction.
• Independent units and dwellings that were built after
December 27, 1999, without any construction permit
granted within the framework of the legislation.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Scope of Coverage
With the Compulsory Earthquake Insurance;
• earthquakes
• fires as a result of earthquakes
• explosions as a result of earthquakes
• landslides as a result of earthquakes
Exclusions
• Removal of debris expenses
• Loss of profit
• Loss of income
• Loss of rent
• Alternative residence and work place expenses
• Financial liabilities and all other similar indirect damages brought
forward
• All sorts of movable goods, furnishings and other items
• All personal injury including death
• Claims of damages for pain and suffering
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Essential Information and Documents for Insurance Policy
• Name, address, telephone number and mobile phone number of the insured
• Tax ID number and Turkish Republic ID number of the insured
• Full address of the residence that is to be insured
• Title deed information
• Construction year of the building
• The construction type of the building
• Total number of floors in the building
• The damage condition of the building
• Gross square meter (m2) of the dwelling (apartment)
• Type of usage of the dwelling
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
TCIP Natural Disaster Insurance Institution
Law No: 6305
Date of Acceptance: : 09/05/2012
CATASTROPHE INSURANCE LAW
• The objective of this Law is to determine the procedures and principles for
the compulsory earthquake insurance to cover the financial losses which
may arise in buildings due to earthquakes and for the insurance and
reinsurance coverages to be presented in order to cover the material and
physical damages which may arise as a result of various disasters and risks
which cannot be covered by insurance companies, or which bring about
challenges with regards to offering coverage.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
TARIFF AND INSTRUCTION OF COMPULSORY EARTHQUAKE INSURANCE
Purpose and Scope
The tariff and instructions - which are given below - are applied on the Compulsory
Earthquake Insurance which will be provided pursuant to Catastrophe Insurance Law
dated 09/05/2012 and numbered 6305.
Tariff
The TCIP’s premium tariff is determined by the Treasury Under secretariat and 3 factors
determine the insurance premium amount:
• Location of the building according to earthquake risk zones
• Construction type of the building
• Gross square area of the dwelling policy.
As follows; the structure styles that are indicated in the tariff;
A—Steel, Reinforced Concrete Frame Structures,
B—Masonry Stone Structures,
C—Other Structures.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
There are 15 tariff rates determined according to 5 risk zones and 3 different
construction types.
Rates Based on Zones as
per the Building Type (‰)
ZONE 1
ZONE 2
ZONE 3
ZONE 4
ZONE 5
A-Steel, ferro-concrete,
carcass buildings
2.20
1.55
0.83
0.55
0.44
B-Masonry buildings
3.85
2.75
1.43
0.60
0.50
C-Other buildings
5.50
3.53
1.76
0.78
0.58
Maximum Assurance Amount
Within the scope of Compulsory Earthquake Insurance, maximum assurance amount
for a dwelling shall be 150.000 TL notwithstanding with its building style.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Establishment of Insurance Fee
The unit square meter costs which are settled according to the structure type and used in
calculation of the insurance compensation are as follows
Building Style
Square Meter Fee that is taken as Basis for the Insurance
Fee Calculation (TL)
A-Steel, ferro-concrete, carcass buildings
700
B-Masonry buildings
500
C-Other buildings
260
This indicated gross square meter values changes in the ratios of the “Building
Construction Cost Index,” statements made by the State Institute of Statistics and
announced in the Official Gazette.
Insurance Term
The term of the insurance is one year. The expired insurance policy shall be renewed every
year by the insured or assured.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Agricultural Insurance System in Turkey
Agricultural Insurance was passed on 14.06.2005 with Law
No:5363
Insurance implementations of TARSIM shall be supervised by the
Undersecretariat of the Treasury, all other operations shall be
supervised by the Ministry of Agriculture and Rural Affairs.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Agricultural Insurance System in Turkey
In the Farmer Registration System, the following policies can be developed by using
TARSIM Corporation (Agricultural Insurance Pool Corp.);
• Grant-aided herbal product insurance policies for all private and corporate
entities whose production and field information are updated and valid.
• Grant-aided animal life insurance policies for all great cattle and poultry in
animal production enterprises with an enterprise number.
• Grant-aided greenhouse insurance policies for all greenhouses whose product
and technical information is valid, updated and registered in the system.
• Grant-aided insurance policies for water productions made in registered plants.
Natural risks to be covered such as drought, hail, flood, storms, tornadoes,
earthquakes, fire, uncontrollable pests, diseases, and accidents for crops, greenhouses,
agricultural buildings, agricultural machinery and livestock shall be determined by the
Council of the Ministers based on the proposals of the Management Committee of the
Pool.
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
Özlem VELİOĞLU
MSc. Geological Engineer
Disaster and Emergency Management Presidency
[email protected]
Thank you…
23-24 April 2013, MACEDONIA- Berovo
"lnsurance as a method for Disaster Risk Reduction in SEE
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