This article will acquaint you with the conditions of car insurance in Turkey and answer the frequently asked questions in this field.
According to traffic laws in Turkey, everyone is obliged to insure their car, even if there is no use of the car. Therefore, the car must have insurance from the time of registration in the traffic system until the time of cancellation of registration or departure from Turkey. Some insurances in Turkey are compulsory and others are optional. Third party insurance is the most basic insurance that every car in Turkey should have. As you know, third party insurance only pays for injuries to the occupants of the opposite vehicle and does not cover the costs of the culprit vehicle and its occupants. There are other types of insurance in Turkey that offer better and more complete coverage, which we will discuss in the following.
Types of car insurance in Turkey
Compulsory Traffic Insurance or Zorunlu Trafik Sigortası:
Immediately after owning a car in Turkey, you must apply for third party insurance or Zorunlu Trafik Sigortası. This insurance pays for damages to the car and other people in traffic accidents.
Limited vehicle insurance or Dar Kasko
Kasko Insurance is one of the most complete types of insurance in Turkey, which also includes third party insurance. This insurance covers items such as injuries to your car occupants, driver and car injuries, other party car injuries, theft, disappearance, fire, etc.
This insurance is effective when you want to add new clauses to the limited insurance. For example, when leaving the country by private car, you can use this insurance.
Full car insurance or Tam Kasko
In addition to covering all of the above, this insurance covers other coverages such as natural disasters, terrorism and animal harm.
Frequently Asked Questions about Car Insurance in Turkey
What is the penalty for not having car insurance in Turkey?
In 2022, not being fined for car insurance starts from 196 lira. Vehicle owners will receive a 25% discount if they make an advance payment within 15 days. In case of non-renewal of compulsory traffic insurance and non-renewal of insurance policy for which the insurance period has expired for 1 year, a 5% penalty of late payment will be applied for each month. The cost of delay is limited to 50%.
How long is car insurance valid in Turkey?
Insurance policies are usually valid for one year unless you choose a shorter period of time, in which case you will have to pay more.
How can we claim insurance compensation if we are not to blame for traffic accidents?
The offending driver can apply for compensation by referring to her insurance company. The offending driver insurance company is obliged to pay your compensation within thirty days, otherwise you can sue the offending person through your insurance company.
Can a car registered outside Turkey be insured in Turkey?
No. A car registered in other countries must be insured in the same country and receive an insured green card. This certificate is valid in 45 countries.
What factors affect the cost of car insurance in Turkey?
Various factors affect the final cost of car insurance in Turkey, some of the most important of which are: Car model, year of car production, type of insurance and amount of insurance coverage, history of car accidents, driver age, etc.
Steps of car insurance in Turkey
If you live in the city of Alanya, you can refer to the office of Truck (administrative affairs unit) to do car insurance affairs. Our partners provide all matters related to car insurance in person. Have the following documents with you when you visit:
Passport and Kimlik card
Documents related to periodic inspection of motor vehicles or Vize Günü
For more information and advice, you can contact the administrative unit of Travok in Alanya or visit the Travok office in Alanya in person: Ms. Oliaei, in charge of administrative affairs