Can traffic insurance be cancelled?
Mandatory traffic insurance cannot be optionally cancelled. In cases such as vehicle sale, scrapping, or theft, policy cancellation and pro-rata premium refund may be possible.
Frequently Asked Questions
Clear answers to the most wondered topics in traffic, auto, health, home, and fire insurance.
Traffic Insurance
Basic rules and common mistakes regarding mandatory traffic insurance.
When should traffic insurance be obtained for a newly purchased vehicle?
It must be arranged before or on the same day as the vehicle registration/license procedures. The policy must be in effect before the vehicle enters traffic.
What happens if traffic insurance is delayed?
Vehicles without traffic insurance are subject to administrative fines and may be banned from traffic. If renewal is delayed, a 5% premium increase is applied for each month. This increase applies even one hour after the expiration time.
Who determines traffic insurance limits?
Limits are standardized for the same vehicle type and are determined by the Insurance Association of Turkey.
What is a step in traffic insurance?
A step is a system where the premium increases or decreases depending on claim-free or claim history. It is considered in every policy renewal pricing.
Under whose name is traffic insurance issued?
The policy is issued in the name of the vehicle registration owner (license holder). In second-hand purchases, it must be issued in the buyer's name.
Is claim-free discount affected when changing vehicles?
For the same registration owner, the claim-free discount can be transferred if the old vehicle is in the same segment as the new one.
What does traffic insurance cover?
It covers bodily and material damages caused to the other party within the policy limits. Damage to one's own vehicle is not covered.
How long is traffic insurance valid?
Traffic insurance is valid for 1 year and must be renewed before the policy expires. The policy starts at noon (12:00) and ends at the same time one year later.
What is the claim notification period for traffic insurance?
The claim must be reported within 5 business days after the incident. The best approach is to report the claim as soon as possible.
Auto (Kasko) Insurance
Practical answers about Kasko coverage, deductibles, and claim processes.
Can Kasko insurance be arranged for a newly purchased vehicle?
As an optional insurance type, Kasko can be arranged as long as the vehicle has Traffic Insurance. It can be arranged on any desired date.
What happens if Kasko is delayed?
Damages occurring before the policy start date are not covered. Delay may also affect the claim-free discount and pricing.
What is IMM in Kasko?
Optional Financial Liability (IMM) is an additional coverage that covers third-party damages (material and bodily) exceeding traffic insurance limits under the Kasko policy.
What is the claim-free step in Kasko?
It is a factor affecting the renewal policy pricing based on claim-free or claim status during the policy period.
Is the step affected when renewing from another company?
The claim-free step is usually preserved and transferred to the new company, though company practices and records are important.
Is damage covered in case of drunk driving?
Alcohol or illegal use constitutes gross negligence and is excluded from coverage.
What is the difference between contracted and non-contracted service?
In contracted services, payment is made directly to the service. In non-contracted services, a deductible is applied; details and rates may vary by company.
What is a deductible?
It is the portion of the claim that the insured pays as determined in the policy. As the deductible rate increases, the premium may decrease.
What is assistance?
Assistance covers support services such as roadside assistance, towing, tire change, and replacement vehicle.
What is total loss (write-off)?
When the repair cost approaches or exceeds the market value, or when the vehicle becomes irreparable, the vehicle is considered a 'write-off'.
Does Kasko cover damage if I am at fault in an accident?
Kasko covers damage to your own vehicle within the policy scope. Fault status affects traffic insurance.
Does Kasko only cover damage caused by accidents?
Fire, theft, natural disasters, and other risks are also covered depending on the policy scope.
What is the claim notification period for Kasko?
It is 5 days from the time the damage is discovered. Delay increases the risk of loss of rights.
Health Insurance
Differences between TSS and OSS, exclusions, and waiting periods.
Can someone without SGK obtain health insurance?
Private Health Insurance (OSS) can be obtained without SGK. Complementary Health Insurance (TSS) is conditional on having SGK.
Are the baby's health expenses after birth covered?
To include the baby under coverage, they usually need to be added to the policy within a certain period. Scope and duration vary by policy.
Is the lifetime renewal guarantee different between TSS and OSS?
Lifetime renewal guarantee conditions vary by product and company. TSS and OSS may have different evaluation criteria.
If TSS outpatient treatment limit is exceeded, does the insured pay?
In case of limit exceedance, the remaining amount is paid by the insured.
Is there an age limit for health insurance?
Although it varies by product, the general upper limit for entry and renewal is 65 years.
Does health insurance cover nose aesthetics?
Cosmetic procedures are generally excluded. If there is a medical case, an evaluation can be made.
Are vaccines covered by health insurance?
They may be limited in standard policies, but vaccine coverage can be added in some packages.
Is it valid in emergency services?
Emergencies can be evaluated within the policy scope; coverage and limits depend on the policy.
Is it valid outside the country?
Overseas coverage is usually an additional package.
Are dental and eye care included?
Dental and eye coverages are limited in most products or offered as additional coverage.
Can I get insurance if I have an existing illness?
It is possible, but exceptions may apply for existing illnesses. Existing conditions are generally not included in the policy or may be included with additional premium.
What happens if I receive treatment outside contracted hospitals?
Reimbursement can be obtained; reimbursement rate and limits vary by policy.
What happens if I go to a non-contracted hospital in an emergency?
If evaluated within emergency coverage, reimbursement can be made at certain rates.
Is optional cancellation possible for health insurance?
Cancellation and premium refund are applied according to the rules specified in the policy.
What is the waiting period for health insurance?
Waiting periods apply for some coverages; duration varies by product and company.
Home Insurance
Frequently asked questions about home, belongings, and earthquake coverage.
Can a tenant obtain home insurance?
Tenants can obtain home insurance to cover their belongings and liabilities.
Are belongings in the home covered?
Belongings are secured within the coverages and limits specified in the policy.
What are the assistance services in home insurance?
Emergency services such as plumber, locksmith, glazier, and extra services such as radiator cleaning and home maintenance may be included in assistance coverage. This may vary by company.
Is the land value of the property included in the price calculation?
The insurance amount is determined based on the rebuilding cost of the structure; land value is not included in the calculation.
Which parts of the property are covered?
The structure itself, appurtenant structures registered as such in the title deed (garage, coal cellar, etc.), and belongings inside the residence are covered. Belongings in appurtenant areas are not covered.
Which events are covered in home insurance?
In addition to coverages such as fire, flood, storm, and theft, guest property liability or family head liability coverages may be offered. This may vary by company.
Can earthquake coverage be obtained without DASK?
DASK is a separate policy that is mandatory by regulation; earthquake coverage cannot be obtained in home insurance without DASK.
What is underinsurance?
It is when the insurance amount is set below the actual value. In case of damage, payment is made proportionally lower.
What is overinsurance?
It is when the insurance amount is set above the actual value. In case of damage, payment does not exceed the actual value.
Is optional cancellation possible for home insurance?
Cancellation and premium refund are applied according to the policy terms.
Is there a claim-free discount in home insurance?
Some products may offer claim-free discounts; application varies by company.
How is the insurance amount for belongings calculated?
The current market value and replacement cost of belongings are considered. The declared value forms the basis of the policy.
What is the claim notification period for home insurance?
It is 5 days from the time the damage is discovered.
Fire Insurance
Critical questions regarding fire, business interruption, and additional coverages.
Are damages caused by fire extinguishing covered?
Damages occurring during fire extinguishing are evaluated within the policy scope.
Are additional structures outside the property (warehouse, garage) covered?
They are within the coverage scope but must be declared separately in the policy.
What is business interruption coverage?
It is the coverage that compensates for income loss when business activities stop due to damage.
What is rent loss coverage?
It is the coverage that compensates for rent income loss for a property that becomes unusable after damage.
Are debris removal costs covered?
Debris removal expenses after damage are within the coverage scope.
Can empty or unused properties be insured?
They can be insured, but the fact that the property is empty must be declared.
What is the claim notification period for fire insurance?
It must be made within 5 business days from the time the damage is discovered.
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