- 1 Types of car and vehicle insurance in Turkey
- 2 Benefits and advantages of car insurance in Turkey
- 3 The best car insurance companies in Turkey
Types of car and vehicle insurance in Turkey
Vehicle policy is a written compress between two parties, the first party ; an insurance ship’s company, the second gear party ; the owner. Under this compress, the insurance company, the company, is obliged to make reparation and compensate the owner of the vehicle for damage to his vehicle in accordance with the agreement provided for in the contract .
There are two indemnity schemes, compulsory indemnity, which is a character of policy that makes up for damages caused to the other party and, in this involve, if they cause an accident while on the road. Traffic insurance is required by law, and in cases where you do n’t get your traffic insurance or renew your run out insurance policy before you put your vehicle into traffic, your vehicle is banned from traffic .
There is another insurance ; individual indemnity will be identified in detail.
Mandatory or compulsory insurance
compulsory insurance is called traffic indemnity which is imposed by law on anyone who owns a road-moving vehicle. This type of policy covers the indebtedness of the owner and the driver of the fomite to others for any physical injury caused by the vehicle. This compulsory policy is besides responsible for compensating hurt persons inside the see vehicle, equally well as injuries caused to road pedestrians by the vehicle .
What does mandatory insurance include?
Regardless of whether the driver is mistaken or not, the insurance company’s indebtedness includes bodily wound according to the law, and is of undefined value, it is responsible for :
- Provide medical treatment to the injured until he or she is fully healed or stabilized.
- Compensation for all financial obligations incurred as a result of the accident.
- Compensation for death in the event of an accident
Supplementary comprehensive insurance (CASCO)
It is optional vehicle indemnity, in which font the owner of the fomite chooses to cover his vehicle in full moon protective covering. Under this comprehensive contract, protection is included on the see vehicle and all price to the owner and others .
What’s CASCO insurance include?
The count varies from a company to another under the terms of the compress, but the policy broadly includes :
- Vehicles collision with or without motor engines allowed to be driven on highways or railroads.
- A fixed or moving object crashes into a moving or stationary vehicle outside the will of the insurer or driver due to sudden and external factors, collisions with such object or accidents such as overturns, falls or the car rolling.
- Losses resulting from bad faith or harmful acts of third parties or persons without legal capacity.
- The car caught fire.
- Stealing or attempting to steal a vehicle or parts of it
There is besides extensive insurance in accession to the terms of the shrink, covering all the above-mentioned sets of guarantees, american samoa well as certain risks that may exist within the scope of the guarantee, with an extra agreement in these cosmopolitan conditions, such as :
- Car crashes, collision, overturn, fall, rolling, burning and stealing
- Damage caused by strikes, sit-ins, civil unrest and terrorist acts.
- Damage caused by earthquakes and other natural disasters.
- Flood damage.
- Damage to vehicles withdrawn by unauthorized persons.
- Damage caused by rodents and other animals.
- Stealing vehicles with the key.
- Stealing keys.
- Replacıng the car warranty.
- New assessment guarantee
- Small repair services.
- Ensuring legal protection.
- Ensuring voluntary financial responsibility.
- Personal accident seat guarantee.
- Ensure protection without claims.
There are besides extra optional guarantees, including :
- Warranty abroad
- Secure movables.
- Cash guarantee.
Costs of car insurance in Turkey
Depending on the model and stigmatize of the fomite, the senesce of the vehicle, the experience of the driver, the date of the accident, and the distance traveled by the vehicle are besides taken into account. HASAR is besides important, which is the value of money that indemnity companies in Turkey yield on the car during the accident. Its importance lies in the fact that it determines who made the error during the accident, and if there is a significant limit, the sum of indemnity will rise .
The other most important point in determining policy costs belongs to the city in which you live as it is one of the most important things taken into explanation in calculating compulsory traffic insurance ; the cause for this is that indemnity companies set accident rates by city, as cities with high accident rates can pay more insurance shares .
The compulsory traffic insurance rates for 2021 in Turkey are as follows : for drive vehicles, the cheapest traffic indemnity is in the provinces of Adiyaman, Aydin, Hatay, Hakkari, Isparta, Kars, Kastamonu, Mugla, Mardin, Tokat, Trabzon, Usak ith 709 turkish lira and the most expensive compulsory dealings indemnity being in Istanbul, amounting to 792 turkish lira .
Benefits and advantages of car insurance in Turkey
In the types of compulsory indemnity, policy services are indispensable for the completion of your transactions and procedures, or non-mandatory insurance, its choice and achiever are determined by the choice, dependability and quality of the service supplier ‘s health policy between populace and private policy .
In cosmopolitan, there are several benefits to vehicle policy, including :
- Feeling protected: Vehicle insurance protects the owner from loss, when a vehicle insurance contract is committed, the damage is covered and protected under this contract so that the person feels safe and the anxiety disappears. This does not mean carelessly neglecting and causing accidents. There are bodies – whether by the police or insurance companies – that are responsible for investigating the cause of the accident, but if it is found to be premeditated, there is no compensation for the accident, and it may even be punished for the act.
- Social stability: Protecting society from conflicts between its members is one of the benefits of insurance. If there is no insurance for vehicles, there will be more conflicts, either in the courts, or conflicts will become quarrels and the use of force to restore rights. In the case of vehicle insurance, people will go beyond this, go to insurance companies with their demands, and may have to go to court, but generally many disputes and discounts are shortened amicably by insurers.
If your car is in an accident, you can take advantage of the minimal coverage limits depending on the image of your vehicles under compulsory traffic policy.
Read more: Insurance Activates | Ministry of Finance
The come of material damage to your damage cable car ; The utmost per fomite is known as 41,000 TL, and the maximum per incident is 82,000 TL, for people who are suffering from health problems as a solution of an accident ; the maximum for an individual is 410,000 TL, and the limit for each accident is 2,050,000 TL .
The best car insurance companies in Turkey
There are many companies providing vehicle insurance, primarily Gars Consulting Company, as it offers integrated services in the field of cable car indemnity, at the best prices, with a wide range of services related to vehicles, and from companies as well :
Allianz Sigorta AŞ
Anadolu Anonim Türk Sigorta Şirketi
Axa Sigorta AŞ
Mapfre Sigorta AŞ
Sompo Japan Sigorta AŞ
Ziraat Sigorta AŞ
Güneş Sigorta AŞ
Halk Sigorta AŞ
Doğa Sigorta AŞ
Read more: Top 10 cyber insurance companies in the US
Find out about car insurance (sigorta) in Turkey
To find out about the car ‘s policy, to identify the brand mannequin of the car, or if there is a change in the license plate and the location of the adjustment. A message may be sent to 5664, with the stick to code : DETAY followed by the car number, In Turkey, the plate number consists of a country winder, three letters, three digits, for exercise, DETAY 34XXX333 .
Edited by Gars Consulting company
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