{"id":680,"date":"2024-07-09T11:11:42","date_gmt":"2024-07-09T11:11:42","guid":{"rendered":"https:\/\/palmrentcar.com\/blogs\/54\/"},"modified":"2024-07-09T11:11:42","modified_gmt":"2024-07-09T11:11:42","slug":"54","status":"publish","type":"post","link":"https:\/\/palmrentcar.com\/en\/blogs\/54\/","title":{"rendered":"Checking the types of car insurance in T\u00fcrkiye"},"content":{"rendered":"

Car insurance in Turkey is considered one of the vital issues for every person who owns a vehicle or intends to buy it. Considering the booming driving and traffic conditions of this country, choosing and providing the right insurance for a personal car is one of the main priorities of car owners. The types of car insurance in Turkey include mandatory and optional insurances, each of which plays an important role in providing financial security and protecting a personal car.
\nThe cost of car insurance in Turkey depends on many factors such as the type of insurance, model and year of car production, driving history, geographical region and technical condition of the car. Also, the way to receive damages in the event of an accident depends on factors such as the amount of damage, the amount of insurance coverage, and the obligations of the insurance company. Since encountering accidents on Turkish roads may be a common situation, choosing the right insurance and knowing the methods of receiving damages is of particular importance.<\/span><\/p>\n

Car insurance in Türkiye<\/span><\/h2>\n

Since Turkey decided to join the European Union, it has implemented many reforms and changes in various areas, especially in traffic laws. These changes have made the Turkish driver's license valid in more than 50 other countries.These reforms have caused that all cars in Turkey must have an insurance policy and must be officially registered when buying and selling. For example, some laws related to the requirement to have an insurance policy for cars in Turkey include the requirement of insurance even when the car is unused, such as end-of-life cars or in private parking lots (collector cars).It is not possible to insure a car registered outside of Turkey, and you must insure it in your own country. These companies provide the possibility of driving in Turkey by providing a valid certificate that confirms the insurance of your car. In other words, this certificate or document like "green card" has international validity in 45 countries. It is possible to obtain an insurance policy for cars registered in Turkey only from Turkish insurance companies.<\/span><\/p>\n

Types of car insurance in Türkiye<\/span><\/h3>\n

A car insurance policy is a written and official contract that is concluded between the car owner and the insurance company and is used to compensate for the financial losses caused by the accidents listed in the insurance policy. In Türkiye, there are two types of car insurance: compulsory insurance and optional insurance.<\/span><\/p>\n

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  1. Compulsory insurances:<\/span>\n
      \n
    1. Third party insurance (Trafik Sigortas\u0131):<\/span>
      \n\t\tThis type of insurance is mandatory and is required for all cars in Türkiye. This insurance covers the responsibility of the owner and driver towards others and any damage caused by the vehicle in question.<\/span><\/li>\n<\/ol>\n<\/li>\n
    2. Optional insurances:<\/span>\n
        \n
      1. Body insurance (Kasko Sigortas\u0131):<\/span>
        \n\t\tThis insurance is optional and is provided to compensate for financial losses caused by accidents, theft, fire and other minor damages to the car.<\/span><\/li>\n
      2. Fire insurance (Yang\u0131n Sigortas\u0131):<\/span>
        \n\t\tThis type of insurance is provided to compensate for damages caused by fire.<\/span><\/li>\n
      3. Theft insurance (H\u0131rs\u0131zl\u0131k Sigortas\u0131):<\/span>
        \n\t\tThis insurance is provided to compensate for the damages caused by the theft or destruction of the car as a result of the theft.<\/span><\/li>\n
      4. Minor damage insurance (Hasar Sigortas\u0131):<\/span>
        \n\t\tThis type of insurance is provided to the car to compensate for damages such as impact, broken parts, accidents with animals, and accidental hits, etc.<\/span><\/li>\n
      5. Natural disaster damage insurance (Do\u011fal Afet Sigortas\u0131):<\/span>
        \n\t\tThis insurance is provided to the car to compensate for damages caused by natural disasters such as earthquakes, floods, etc.<\/span><\/li>\n
      6. Personal accident insurance (Kisisel Kaza Sigortas\u0131):<\/span>
        \n\t\tThis insurance is provided to compensate the physical damages to the driver and passengers of the car in case of an accident.<\/span><\/li>\n
      7. Additional insurance (Ekstra Sigortalar):<\/span>
        \n\t\tThese insurances include insurances such as insurance for damage caused by terrorist attacks, insurance for windows and mirrors, and insurance for car body repairs abroad.<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n

        Each of these insurances plays its own role and importance in maintaining and protecting the car and its owner. Choosing the right type of insurance depends on the needs and financial and personal conditions of each car owner.<\/span><\/p>\n

        The cost of car insurance in Türkiye<\/span><\/h3>\n

        The cost of car insurance in Türkiye depends on several factors, some of which are mentioned below:<\/span><\/p>\n

          \n
        1. Insurance type:<\/span>
          \n\tThe type of insurance, including mandatory or optional insurance, plays an important role in determining the cost of insurance. Optional insurances usually cost more because they offer broader coverage.<\/span><\/li>\n
        2. Production year and car type:<\/span>
          \n\tThe year of production and the type of car also have a great influence on the cost of insurance. High value cars, newer models and cars with bigger engines usually cost more to insure.<\/span><\/li>\n
        3. Age and experience of the driver:<\/span>
          \n\tThe age and experience of the driver is also an important factor in determining the cost of insurance. Young and inexperienced drivers may face higher insurance costs.<\/span><\/li>\n
        4. Geographical region:<\/span>
          \n\tThe geographical area where the car is stored is also influential. Areas with more theft or accidents may cost more to insure.<\/span><\/li>\n
        5. Storage location and technical conditions of the car:<\/span>
          \n\tCars that are kept in dry and warm areas and are in better technical condition may have lower insurance costs.<\/span><\/li>\n<\/ol>\n

          Also, note that the information and conditions of insurance by each insurance company may be different, so it is recommended to contact different insurance companies and consult with their experts to get detailed information and calculate the cost of insurance. Using online systems can also help you choose the best option for car insurance. The experienced experts of Palm Rent Kar Group, having a brilliant history in the field of car buying advice in Turkey, are ready to provide services to you dear compatriots living in Turkey.<\/span><\/p>\n

          How to compensate for car damage in Türkiye<\/span><\/h3>\n

          If you have an accident in Türkiye and you are not at fault, you can claim damages. In this case, the damage caused to the other party's car must be compensated by the person responsible for the accident. The car owner can use the mandatory financial liability insurance coverage and refer to the insurance company that issued the car insurance policy. The insurance company is obliged to respond to the request in writing within 15 days. If the insurance company does not respond within this period or does not accept the request, the victim can open a lawsuit or refer to arbitration according to Law No. 5684.
          \nOn the other hand, the plaintiff's insurance company that caused the accident is responsible for the actual damage to the vehicle. Therefore, the depreciation is part of the actual damage and the insurance company is obliged to compensate it.If the defective car insurance company refuses its obligations, the injured party has the right to sue in two different places. These places are the main commercial courts and the Insurance Arbitration Commission, respectively. Under normal circumstances, a person who is at fault in an accident does not have the right to claim a diminution in value. However, if the car insurance contract includes depreciation coverage, the guilty person can also request compensation for the depreciation.<\/span><\/p>\n

          last word<\/span><\/h4>\n

          Examining the types of car insurance in Turkey shows that there are various mandatory and optional insurances, each of which has its own coverage and benefits. Compulsory car insurance, which all car owners are required to purchase, provides coverage for property and life damages caused to third parties in accidents.Also, optional insurances such as Casco include broader coverage including damage to the insured vehicle in accidents, theft, fire and natural disasters. Choosing the right insurance depends on the needs and conditions of each person and can have a significant impact on the driver's financial security and peace of mind.<\/span><\/p>\n