I would like to insure an apartment in Turkey, there are four apartments in the block, how would it be handled if, for example, the apartment below me was not insured. Presumably a rebuild would not be possible, would a straight payment be made?

If the other apartments are uninsured then the loss adjustor may take the decision to make a cash payment based on the average of three quotes to rebuild your percentage of the entire block. If for instance it would cost £125,000 to rebuild the whole block and there were four apartments then you would get £31,250.

We offer block insurance in every country we insure in, though we would need to insure every apartment in the block. This would ensure in the event of a total loss then the block would be re-built.