What to do when a loss occurs

For every claim

• If anyone is injured or the danger continues, call 112 (emergency services in Türkiye) first.
• Notify us as soon as possible. Policies set time limits for notification.
• Take photos and videos; do not dispose of damaged items before the loss adjuster has seen them.
• Talk to us before starting any repairs.
• Keep invoices, official reports and correspondence.
• Take reasonable steps to prevent further damage; these costs are usually recoverable under the policy.

Property and business interruption

• For fire call the fire brigade; for theft report to the police and obtain a report.
• Record stock and production losses from day one; they form the basis of the business interruption claim.
• If you have earthquake cover under several policies (e.g. DASK and a commercial policy), each must be notified; we follow both.

Marine cargo

• For damaged or short deliveries, note a reservation on the delivery receipt and notify the carrier in writing.
• Keep the goods and packing until the surveyor’s inspection.
• Prepare the shipping documents: bill of lading or CMR, invoice, packing list.

Liability

• Forward any claim letter, notice or lawsuit to us immediately.
• Do not admit liability or agree a settlement without the insurer’s consent.

Employee benefits

• At contracted hospitals, pre-authorisation is obtained with the policy details; call us for treatments that need prior approval.
• At non-contracted hospitals, keep original invoices, the discharge summary and prescriptions.