Insurance Is Not Sold, It Is Built

A Lesson From the Hillsides of Girne – Ozanköy

Insurance is often described as a product.
It has a price, a coverage table, and an expiration date.

But in North Cyprus, insurance has never been just something you buy.
Here, insurance is built.

This distinction is not learned behind a desk.
It is learned on roads, slopes, streets, and hillsides.

Ozanköy, 2016: A Small Loss, A Permanent Lesson

Autumn 2016.
Ozanköy, on the hillside overlooking Girne.

A newly built villa.
Overnight rainfall, unusually intense even for the season.

By early morning, water begins to collect in front of the garage.
The car still runs. The visible damage seems minor.

But when the site is inspected, the picture changes.

The issue is not the vehicle.
It is the land, the slope, the retaining wall, and the way water moves behind it.

That morning confirmed something fundamental:

Insurance does not start at policy issuance.
It starts at construction.

The North Cyprus Reality: Risk Does Not Appear Overnight

In North Cyprus, risks seem sudden, but they accumulate slowly.

• The slopes around Girne have always been steep

• Rain has always fallen in Ozanköy

• Roads in Lefkoşa have always been narrow

• Wind in Mağusa is nothing new

What changed is how people interact with the land.

A single-storey house in the 1990s
became a terraced concrete structure in the 2010s.

Vehicle density tripled by the 2020s.
Risk maps, however, stayed the same.

This is where insurance stops being “sold” and starts being “built”.

The 1958 Reflex: How Institutions Survive

In 1958, insurance in North Cyprus was not explained with tables and exclusions.

The guiding question was simple:

“What has this place experienced before?”

People knew which stream overflowed in which winter.
They knew which road caused trouble at night.
They knew which land shifted after heavy rain.

Over time, forms multiplied.
Memory faded.

Strong insurance today is the ability to restore that reflex,
using modern tools without losing local awareness.

Girne City Center, 2022: Same Policy, Two Outcomes

Summer 2022. Girne city center.

Two claims:

• Same vehicle model

• Same coverage

• Same limits

One file closed quickly.
The other dragged on for months.

The difference was not the policy.

In one case, the street was known.
In the other, the address was just a line of text.

Once again, insurance proved its nature:

Details do not change the product.
They change the outcome.

Why Insurance Must Be Built

Because in North Cyprus:

• Geography is not standardized

• Buildings are not uniform

• Daily behavior is not predictable

A strong policy only exists if these questions are asked:

• Where exactly is this building?

• Which hours does this road become risky?

• What has this area experienced before?

• Which routes does this vehicle actually use?

Without these questions, insurance may be sold.
But it is not built.

Approaching 2026

As we move closer to 2026, risk in North Cyprus is more visible:

• Sudden, intense rainfall

• Increasing vehicle density

• Hillside construction

• Narrow roads, faster lives

In this environment, strong insurance is not:

• The cheapest

• The fastest to issue

• The loudest marketed

It is the best constructed.

Final Word

Insurance is not a document.
Insurance is not a reflex.
Insurance is not a price.

Insurance is an intelligence that:

• Knows where rain flows in Ozanköy

• Understands when risk rises at night in Girne

• Remembers what narrow streets mean in Lefkoşa

What is sold is forgotten.
What is built remains.