Kibkom North Cyprus Forum

Just to inform you ... my car insurance is due and got a renewal price of less than I paid last year.!
Exact same cover including the south break down. No reason for me to change.
This I may add is after I claimed for an accident . Got my car back with a perfect repair! And no excess !!!.
Well done DAGLI .

Did you receive a reminder when your insurance was due.

Yes. Got a phone call from them. Even got a Christmas goodie bag with wine - pens and writing pads !!

Also be aware that you may get an e mail from trevor/Mary Hughes who now work for capital bank . It Is your choice of course . Can only guess where they got my details from!!! NAUGHTY!

Not naughty but realty

Thomas do you mean really or reality ? .....

You write in riddles ...

My insurance renewal was also substantially less than last year but I suspect that Dagli are dropping the price to ensure that customers stay with them and don't defect to Capital!

I was "warned" that Dagli were deleting some of the items that I had previously had covered, but it was in small print. (hence the lower premiums) In reality I have checked with them and been shown that all is at should be and nothing deleted.

sophie .....

Thank you for posting your message above and clarifying the situation.

In other words this 'warning' you received was pure gossip without finding out the facts, however I do hope that the person who is warning everyone will now come forward on here and explain in full why this has happened.

Bernie

On receiving my renewal from Dagli in September the first thing I noticed was. Landslip had been removed from my policy. This was not mentioned in the covering letter. The second was a rather vague paragraph in the policy regarding reinstating exterior walls (in other words they were not covered) unless they were reinforced or damaged by a vehicle. Living in Karmi having cover for landslip and exterior walls are very important.

aripointer,

Thank you for taking the time to answer my message.

I have been thinking about your answer and whilst I have no idea about the Landslip I did however come up with a thought on the exterior walls.

I assume by exterior walls you mean boundary walls - if not then I have the wrong end of the stick and I apologise!

You quoted: The second was a rather vague paragraph in the policy regarding reinstating exterior walls (in other words they were not covered) unless they were reinforced or damaged by a vehicle - I would assume that if the boundary wall was built correctly in the first place (ie reinforced) then there would be no issue with any potential future claim you may have however ...... if they were built without reinforcement then surely this is not the fault of the insurance company if they fall down but the fault of the builder for poor work/cutting corners/saving money etc etc.

This is just my take on it

Most of the walls I have seen are stone walls which do not have reinforcement, I have only seen concrete walls with reinforcement

Bernie.
Many thanks for your reply.

I did mean boundary walls.

My existing policy at the time just mentioned Boundary Walls.

When our house was inspected by the Dagli representative I was told our boundary walls were constructed correctly and they were well built. Copious photographs were taken of the exterior and interior of the house including terraces, swimming pool and the boundary walls.

The wording of my renewal document regarding the boundary walls was as follows

In the event of wall collapse ( retaining and boundary walls), claim will be assessed to prove that the structure is not substandard and the walls have sufficient footings and re-inforcement, which I believe is the case in all insurance companies at the moment.

I had no problem with the structure, footing etc as photographic and written evidence was on file with Dagli regarding the walls. The severe flooding in early 2016 proved that our walls were very well built when the subsoil was washed away under the walls.

The warning bells were the words, I believe is the case in all insurance companies at the moment. I saw this as a get out- it is certainly not the case with all insurance companies.
AP

Think this thread is very interesting as it will make policy holders look at what they want and not what the insurance companies are interpretating to their benefit ... ... ..Business is business and if you insure its a business deal surely isnt it?

Just reinforces the fact that it's worth shopping around when renewal time comes round and doubly checking what you are actually insured for. Where do the locals get their insurance?

One other thing I was told in the Dagli offices. They are warning everyone about he short "S" shaped pipes fitted behind the Loo cistern. Apparently older houses were fitted with a sort of material substance around rubber piping and they are not holding out against the pressure since we had Turkish water. They are splitting and causing havoc. Dagli are recommending they are replaced asap with the bendy metal type, which apparently cost 20tl or thereabouts.

Thanks Sofie for that little bit of advise, its becoming very much like every one with an older house needs to rebuild to comply with some insurance companies policies! .

Have they put this into their renewal policy for those reinsuring ? Like the no payout if walls collapse if not reinforced or land slips?
Just interested .

Just out of interest, how can Turkish water be at a higher pressure than TRNC water?
The house pump, pumping water from the storage tank to the house, is usually set at a default pressure of 3Bar so would still deliver any water at the same pressure. Or am I missing something?

paul90 wrote:Just out of interest, how can Turkish water be at a higher pressure than TRNC water?
The house pump, pumping water from the storage tank to the house, is usually set at a default pressure of 3Bar so would still deliver any water at the same pressure. Or am I missing something?

Some people run their systems directly from the Belediye supply, not from a storage tank / electric house pump.

In such cases, it is advisable to fit a pressure control valve immediately after the water meter.

Keith - that is what I do!
I no longer use my tank and house pump.
My incoming mains water has always been 5Bar and my pressure control valve reduces it to 3Bar before it enters the house.

So I still ask the same question: Why are Dagli stating that Turkish water is entering the house at a higher pressure than TRNC water!

I have absolutely no idea paul 90, I'm a complete "doh" on the subject but thought I would relay what they said. Pays your money and takes your choice I guess. Doesn't apply to me in any case.

Paul,

The entire infrastructure has been upgraded in order to be able to pump the water from the reservoir to all parts of the Country, rather than relying mainly on Gravity feed, with perhaps a little assistance from a pump, from each Belediye's 'depot' to their own local area.

The pressure is certainly far higher (in lower Alsancak, at any rate) than it ever was before - a lot of locations were lucky if they got a dribble! Most people did not previously need to reduce the water pressure.

The pressure is now so high that there have been numerous leaks in the new distribution pipework

I have had a lot of peoples garden taps come apart and ballcocks, more than normal in the last 6 months but I have always cranked back the mains when nobody is in residence. unfortunately if you have an irrigation system you need water coming in before someone says insurance companies do not cover if the mains or the pump is left on.
the kitchen direct tap I also turn off when nobody is in the property

Yes Keith, I understand that.
But Sophie says "Apparently older houses were fitted with a sort of material substance around rubber piping and they are not holding out against the pressure since we had Turkish water. They are splitting and causing havoc"
I don't understand "splitting and causing havoc".
Surely, if the pump pressure remains at the default pressure of 3Bar or the pressure regulating valve remains at 3Bar then the pressure of any water entering into the house stays the same.

My mains water - into the garden taps (for irrigation) is 5Bar and I have had no problems with "blowing valves" or leaks.
However I would not increase the pressure of the water coming into my house from 3Bar to 4Bar because I suspect it may "blow" the ball cock fittings.
This is just my view at the present time.