Car insurance in Turkey

Car insurance in Turkey is an imperative imposed by laws, as car owners have to contract with a car insurance company from road accidents; Turkey is one of the most crowded countries on the roads, and it is worth noting that if your car does not have traffic insurance or its insurance policy expired before it was included in the traffic; the vehicle is blocked from traffic and impounded; Accordingly, you will have to pay the vehicle reservation fee and tow it.

Car insurance contracts in Turkey

The car insurance contract can be defined in short as a written contract between two parties, the first of which is called the insurer (the insurance company), and the second is the insured (the owner of the car). For damages to his car, it is worth noting that the insurance includes cars of all kinds, and also provides insurance coverage for the car; Where the insurance company pays the insured the value of the material loss resulting from the total or partial damage to the car as a result of collision and overturning accidents, as well as resulting from breakdowns, burglary and fire.

Necessary documents for car insurance in Turkey

The car owner needs to submit a number of documents to one of the car insurance companies in Turkey; To conclude a car insurance contract, these documents are:

• A copy of the car's license.
• As well as a recent picture of the four corners of the car.
• Also, a copy of the license holder's ID.

Types of car insurance in Turkey

There are several types of car insurance in Turkey, which are:

• Compulsory insurance (traffic insurance).
• Comprehensive Insurance (Casco).
• Extended insurance.

1- Compulsory car insurance in Turkey

The law in Turkey imposes compulsory insurance (traffic insurance) on everyone who has a vehicle on the roads, and this type covers the liability of the vehicle owner and driver towards others for the physical damage that the vehicle may cause to the injured passengers or pedestrians on the roads, and in the event that the insured The insurance amount has not been paid or the insurance policy has expired before his car is listed in the traffic registry; the car is prevented from moving, and it is impounded; He becomes obliged to pay the parking fee for the reservation and the expense of towing the car.

without considering whether the accident occurred due to the driver's fault or not; The insurance company is responsible for covering the treatment of the physically injured in accordance with the law, without limiting the value of the amount of insurance, and the car insurance company in Turkey is responsible for the following:

• Providing health care for the injured until their full recovery.
• As well as compensating the injured for any material damage caused to them as a result of the accident.
• And also compensation for death if one of them dies during the accident or as a result of it, God forbid.2

 

2- Comprehensive Insurance (KASCO)

Casco is an optional motor insurance, in which the vehicle owner contracts with the insurance company to cover the vehicle with full protection; As under this contract, the vehicle insurance includes all types of potential damage to the owner or to others. The terms of the contract also differ from one insurance company to another according to what is agreed upon, but in general comprehensive insurance covers all of the following:

• Vehicle collision with other vehicles with or without a motor.
• Also, the vehicle's destruction of a fixed or moving object by colliding with it without the intention of the owner or the driver as a result of the sudden element or the fall or overturning of the vehicle.
• As well as losses caused by the intentional and desire to harm from other parties or because of the legal capacity incompetent.
• In addition to setting fire to the car.
• In addition to accidents theft of the vehicle or any parts thereof.

 

3- Extended Insurance

There is another type of car insurance in Turkey, which is extended insurance, where some clauses are added to the contract. It is worth noting that the extended insurance contract includes all the previous guarantees, in addition to some other risks, which are:

• Vehicle crash due to falling, burning, rolling or theft.
• As well as the damage caused by strikes, sit-ins and terrorist acts.
• And also damages resulting from natural disasters such as earthquakes and floods.
• It also includes damages caused by the withdrawal of unauthorized persons.
• In addition to the damage caused by animals and rodents.
• As well as theft of the car's master key or theft of car keys.
• The insurance also includes a car replacement warranty, and a new estimate guarantee.
• In addition to the minor repairs that the car needs.
• In addition to guaranteeing:
  • Legal protection.
  • Voluntary financial responsibility.
  • Personal accident seat.
  • Protection without claims.

There are also other optional guarantees such as:

• Warranty abroad.
• Also, the transfer guarantee.
• As well as the cash guarantee.

The cost of car insurance in Turkey

The cost of car insurance in Turkey varies in light of several factors, namely:

• Car make and model.
• In addition to the age of the car.
• As well as the driver's experience.
• Also the date of the accident.
• In addition to the distance traveled by the car.

The cost of car insurance also varies according to the city in which he lives; As this affects the calculation of compulsory insurance, which is determined in light of accident rates in each city, the cost of compulsory car insurance in Turkey for 2021 can be stated as follows:

 

• There is the lowest compulsory insurance in Turkey in the states: Adıman, Hatay, Aydin, Hakkari, Kars, Isparta, Kastamenu, Mardin, Mugla, Tokat, Usak and Trabzon, and in those states it amounts to 709 Turkish liras.
• While the most expensive compulsory insurance in Turkey is in Istanbul, its value is 792 liras.

Benefits of car insurance in Turkey

Laws in Turkey require participation in compulsory insurance to complete any other transactions, while non-compulsory insurances are determined by the efficiency of the insurance company and its credibility. In general, car insurance in Turkey achieves a number of benefits, the most important of which are the following:

• protect the vehicle owner from losses; Where the commitment to the car insurance contract covers the damages under the insurance contract, and therefore, its owner becomes under protection and reassurance.
  • It is worth noting, that this does not include negligence or intentional harm to others; The police and the concerned control authorities investigate the circumstances of the accident, to hold the offender criminally accountable in the event of willful or premeditated crime, and thus lose his right to compensation.

 

• Insurance also protects society from many disputes and animosities between its members; Without it, issues and problems abound between those affected and car owners due to road accidents.
  • While having car insurance provides the injured person with appropriate compensation and treatment in the event of physical injuries, without the need to file cases or disputes with the owner of the car or the driver.

 

Car insurance also allows you to obtain the minimum coverage according to the number of vehicles you own within the scope of the compulsory insurance, in the event of a road accident, and with regard to the amount of material damage to the car, there is a maximum limit for each vehicle of 41,000 pounds, and the maximum The limit for each accident is 82,000 liras, while the maximum limit for insurance is for people who have sustained bodily injuries as a result of the accident; It is 410,000 liras per person, and each accident is about 2,050.000 liras.

The best car insurance companies in Turkey

There are many companies that provide car insurance in Turkey, as these companies provide comprehensive services in the field of car insurance, and the cost of insurance varies from one company to another, and from one type of insurance to another.

The most important car insurance companies in Turkey can be listed as follows:

Allianz Insurance Inc.

Aksigorta AS

Mapfre SŞorta AŞ

Axa Sigorta AŞ

Ziraat Insurance Inc.

People's Insurance Inc.

Gunes Insurance Inc.

Doga Insurance Inc.

Cases that are not covered by car insurance in Turkey

There are some cases that are not covered by car insurance in Turkey, and the most important of these cases can be listed as follows:

• Not having a driver's license.
• Also, driving in reverse.
• As well as driving in places where it is not allowed to drive.
• As well as intentional accidents.
• In addition to drunk driving.
• and cut off the signal.
• Or when providing false information when concluding an insurance contract.
• When escaping from the scene of the accident.
• The insurance also does not cover the reduction in the maximum monthly insurance limit.