Car Insurance in Turkey

Understanding Car Insurance in Turkey: A Comprehensive Guide

Introduction

When driving in Turkey, understanding car insurance is essential. Minimum third-party liability insurance is required for all vehicles, and proof of insurance must be carried at all times. This insurance, known as Compulsory Traffic Insurance (Zorunlu Trafik Sigortası), covers damages to other vehicles in the event of a traffic accident. Notably, vehicles without this insurance are not allowed on the roads.

Types of Car Insurance in Turkey

1. Compulsory Traffic Insurance (Zorunlu Trafik Sigortası)

Upon purchasing a vehicle in Turkey, you must apply for third-party insurance. This insurance covers damages to other cars and individuals involved in accidents.

2. Limited Vehicle Insurance (Dar Kasko)

Kasko Insurance is one of the most comprehensive insurance options in Turkey. In addition to covering third-party liabilities, it also protects against injuries to occupants, theft, fire, and more.

3. Extended Vehicle Insurance (Genişletilmiş Kasko)

This insurance allows you to add extra coverage clauses. For example, if you plan to drive your private car abroad, this option may be beneficial.

4. Full Car Insurance (Tam Kasko)

This insurance provides extensive coverage, including natural disasters, terrorism, and damage from animals, in addition to all previously mentioned protections.

5. Roadside Assistance Insurance (Trafik Yol Yardım Sigortası)

If your vehicle breaks down or sustains windshield damage, this insurance covers the necessary expenses. However, you may need to apply for supplementary coverage and pay extra fees.

6. Additional Driver and Passenger Insurance (Ekstra Sürücü Teminatı)

For those without full vehicle insurance, this coverage protects against loss or damage to the driver and passengers.

Additional Forms of Car Insurance in Turkey

You may also consider contents insurance for valuables in your car. This ensures their safety when you’re away from a secure location.

Car Insurance Bonuses and Penalties in Turkey

Turkish car insurance operates on a no-claims bonus system (bonus-malus system). If you have no accidents, your insurance rates may decrease. Conversely, claims made for accidents at your fault may result in higher rates.

Foreign drivers can often transfer their no-claims bonus from their home country to a Turkish insurance policy by obtaining a certificate from their insurer.

In 2022, fines for lacking insurance started at 196 lira. Vehicle owners can benefit from a 25% discount if they pay in advance within 15 days. If the compulsory traffic insurance is not renewed, a 5% penalty applies for each month.

How To Choose Car Insurance in Turkey

The best car insurance company for you in Turkey depends on your specific needs, such as coverage type, budget, and additional features. Here are some of the leading insurance providers to consider:

  1. Anadolu Sigorta: Known for its comprehensive coverage options and strong financial stability. It offers both mandatory third-party liability insurance (Trafik Sigortası) and more extensive “Kasko” policies, which include theft, vandalism, and fire coverage​
  2. Aksigorta: A popular choice for both basic and comprehensive plans, with good customer service and competitive premiums​
  3. Groupama Sigorta: Provides flexible options for various needs and has a reputation for efficiency in claims processing​
  4. Eureko Sigorta: A strong option for expats, offering policies with English translations and flexible international travel coverage​
  5. Garanti Bank (Garanti BBVA): Offers insurance through its network, combining convenience and potential perks like discounts for customers​

For broader protection, you may want to combine compulsory Trafik Sigortası with Kasko insurance. It’s also advisable to compare quotes, consider no-claims bonuses, and assess the provider’s reputation and customer service. Websites like Sigortam.net allow for easy comparisons of different policies in Turkey.

Applying for Turkish Car Insurance

To apply for car insurance in Turkey, you will complete a standard form. Expect to hear back within 15 days. If you are unsatisfied with the offer, you can continue exploring options.

Required documents typically include:

  • Vehicle registration document
  • Proof of identity (ID card or passport)
  • Proof of periodic motor vehicle inspection (Vize)

How To Make an Insurance Claim for Your Car

In the event of an accident, you must file a claim with your insurer within five days. Required documents include:

  • Copy of the insurance policy (Poliçe)
  • Accident report sheet (Tutanak örneği)
  • Breathalyzer test result (Alkol Raporu)
  • Vehicle registration documents
  • Copy of your driving license
  • Photographs of damages (if possible)

Canceling a Contract or Changing Your Car Insurance Provider

Most insurance contracts renew annually unless signed for shorter periods. You can cancel your contract, but typically, penalties apply. If the vehicle is sold or becomes unusable, cancellation may be allowed without a penalty.

Making a Complaint About a Car Insurance Company in Turkey

If you feel unfairly compensated or are dissatisfied with your insurance company, you can file a complaint with the Commission of Insurance Arbitration (Sigorta Denetleme Kurulu) or Turkish courts.

Conclusion

In conclusion, understanding car insurance in Turkey is vital for drivers. By knowing the types of coverage available and how to navigate the insurance process, you can ensure you are adequately protected while enjoying your time on Turkish roads.

Join The Discussion

Compare listings

Compare