According to traffic laws in Turkey, Car insurance in Turkey is necessary. 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.

Condition of Car insurance in Turkey

there are various types of car insurance available in Turkey. The most important ones are third-party liability insurance and comprehensive insurance (kasko). This article will delve into the different types of insurance available, their prices, and recommend some websites for comparing quotes and purchasing insurance online.

This article will acquaint you with the conditions of car insurance in Turkey and answer the frequently asked questions in this field.

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.

Car insurance in Turkey

Types of car insurance in this country

Compulsory Traffic Insurance or Zorunlu Trafik Sigortası:

This insurance is known as trafik in Turkey and is mandatory for all vehicles. Failure to have it can result in fines. The price of trafik insurance in Turkey ranges from 2000 to 5000 TL per year depending on the car model. Choosing an insurance company for third-party liability insurance is not as crucial as it is for comprehensive insurance. However, some of the best companies include Türkiye Sigorta, which offers standard rates for trafik insurance.

There are discounts for not making insurance claims in Turkey. However, unlike Iran, these discounts cannot be transferred to the next owner. Additionally, after a car ownership transfer, the new owner must personally purchase both comprehensive and third-party liability insurance.

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.

Known as kasko in Turkey, comprehensive insurance offers various coverage options. This insurance covers fire, minor damages, floods, earthquakes, and accidents. Due to Turkey’s geographical landscape and the occurrence of natural disasters, it is advisable to select all coverage options when purchasing insurance. Some of the top comprehensive insurance companies in Turkey include AK Sigorta and Axa Sigorta

Genişletilmiş Kasko

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.

Car insurance in Turkey

Purchasing Insurance in Turkey

Similar to Iran, you can purchase insurance in Turkey either in person or online. Online purchases may allow for installment payments using a credit card.

Recommended Websites for Comparing Quotes and Purchasing Insurance

  1. koalay.com: This is one of the largest websites for selling various insurance policies in Turkey. On their vehicle-specific page, you can enter your car’s license plate number and details to get a quote. They also offer 9-month installment plans and a fixed 5% discount on comprehensive insurance.
  2. sigortam.net: This website’s user-friendly interface is a highlight. With just a few clicks, you can compare prices from over 20 insurance companies for your car. After purchasing your insurance, you can view your policy details on the e-Government portal. You can pay the insurance premium using your bank card. Additionally, this site offers attractive discounts during certain periods.
  3. Purchasing Insurance from Banks: If you have a bank account in Turkey, you can visit a branch to purchase insurance. It’s important to note that Iranians can open bank accounts in Turkey without residency, using only their Iranian passports. For more details, refer to the article “Opening a Bank Account.”

Upon purchasing insurance, you will receive a policy document called a “poliçe” in Turkish.

Steps of getting car insurance in this country

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:

Car document

Passport and Kimlik card

Documents related to periodic inspection of motor vehicles or Vize Günü

Frequently Asked Questions about Car Insurance in this country

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.

Car insurance in Turkey

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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

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