Home Insurance

In any House Claim Situation, it is your responsibility to protect your property as quickly as possible to ensure no further damage.

What to do in the event of a claim and your policy is via Zirve Insurance:

In the first instance you must always call the Zirve 24/7 number on 0548 824 0724 to register your claim. (Please note you may be asked to WhatsApp if no English support on duty)

At your earliest convenience please also contact the Azant office on 0533 833 0841 or 0533 844 0019 to report the problem and provide as much information as possible about the claim. Please also take photographs of the damage and WhatsApp to Azant immediately as these can then be sent directly to the insurance company. This will allow the insurers to assess the situation quickly and start the claim process if it is confirmed a valid claim.

When reporting a claim, you will also need to provide a written account of the incident. It is always necessary to provide a full detailed report of what has happened and when, noting the times and date. You will need to sign and date the report and get it to Azant as soon as possible.

Azant will copy all relevant documents including your report, Supporting photos, Identity (Passport/Kimlik), Sales Contract or Kocan and a copy of your policy to Zirve.

There may be occasions where Zirve will request an assessor to visit your property which will be necessary/essential to your claim, Azant will contact you to arrange a suitable day and time if necessary.

Important Note: No repairs to your property should be carried out without the prior approval of the Insurance Agency or Insurance Company. Only in an emergency situation should work be carried out, e.g. to stop a burst pipe, etc.

In the event of a burglary or theft: Police: 155 & Zirve 24/7: 0548 824 0724

Do not enter the scene of the crime or move or touch anything. The police must be called immediately and a police report must be obtained. You must also contact the Zirve 24/7 number to report the incident.

Once the police & Zirve have been called you must contact Azant for further assistance, and provide full details.

The police will arrive and inspect the crime scene and detail what has been stolen, photos, finger prints and tests may/will be taken for forensic testing. It is important to note that a theft with no forced entry is not a valid claim as it is your responsibility to protect access to your property.
In the event of a forced entry, once the police have completed their investigations and Zirve have been notified you will need to make arrangements to repair damaged locks etc. ensuring your property is secure. It is your responsibility to ensure your property is secure as quickly as possible.

If the property is a ‘Holiday Home’ (non-residential) it is imperative that you must have arrangements in place for someone to regularly check your property every 15 – 30 days. If you are not permanently living in the property, then this should also be declared and recorded on the actual insurance policy.

Important note: Obtaining a police report can take up to 20 days to be issued or in some cases longer. The Insurance Company will not be able to settle a claim without this report so it is important that you continue to progress and chase this as a matter of urgency. The police will not always release this report to the Insurance Company; therefore, it is the responsibility of the insured to obtain this, although Azant will of course assist you wherever possible.

Terms and Conditions
Properties with a swimming pool should have an overflow in the balance tank, so in heavy rain the pump room does not get flooded causing damage to the pool pump and other equipment. It is also advisable to drop the level of the pool in the winter months to allow for excessive rain.

Electrical Goods
Electrical goods are not covered if effected and damaged by an electrical surge. Therefore we recommend you use surge protector plugs on large electrical items at all times. In some cases the experts here in Cyprus actually recommend a UPS or an electrical regulator to ensure that your products do not get destroyed when we have electrical issues on the island.
Mobile phones, tablets and other portable devices are not covered under house contents insurance.

Cash and Jewellery
These items are not covered. Jewellery has to be specified on the policy and locked in a safe which is approved by the insurance company to be accepted – this would have to include accompanying photographs and values. These safes are not the small standard type readily available but are an actual accredited and approved safe.

Your responsibility

It is your responsibility to understand the policy that you have, and the cover that is included within the policy
It is your responsibility to inform Azant of any changes made to the property. For example: If you increase or make changes to the contents in the property, you must increase the contents value on the policy. Should you make any improvements to the property by adding a room or conservatory etc it is your responsibility to contact Azant and update your insurance policy.
It is very important to understand the excesses that are written on the policy also, please ensure that you fully understand these and contact us if you need anything clarified.
Also please note that you are only covered for the perils specified on the policy. For example: Subsidence is not covered on policies here, damp is not covered, wear and tear and accidental damage is not covered.

A property is normally your biggest investment in life so understand your property policy and maintain your house and your investment.

North Cyprus Home Insurance

Home Insurance