Vehicle Insurance in Turkey
General information on the types of Turkish vehicle insurance available, plus details on premiums, claims and cancelling an insurance contract...
Minimum third party liability insurance is required for all vehicles in Turkey and proof of insurance must be carried at all times. This insurance is called Compulsory Traffic Insurance (Zorunlu Trafik Sigortasi) and covers the cost of damage of the other vehicle in the event of a road traffic accident. Vehicles without this insurance may not be driven on the roads. Vehicle insurance covers the owner of the car, any additional drivers must be named on the insurance policy and an additional fee may have to be paid.
Types of Car Insurance
In additional to the Compulsory Traffic Insurance it is possible to take out additional fully comprehensive insurance (Kasco) for theft, fire and vandalism, for example. The premium paid for this insurance depends on a number of factors including the car's age, engine capacity, make and model and will vary from one insurance company to another.
A number of documents may be required to take out car insurance:
- Vehicle registration document
- Proof of identity
- Proof of Periodic Motor Vehicle Inspection (Vize Günü) if applicable
Bonus-malus system (No-claims discount)
Turkish car insurance operates a system of no-claims bonuses, or bonus-malus system. Within this system annual insurance rates may increase if a claim is made when an accident was the driver's fault; if the driver has no accidents the rates will decrease. Discount rates vary depending on the insurance companies; but in general, they range from 30 percent to 65 percent. The claim discount applies to the driver not the vehicle, so if the driver changes their vehicle, the discount still applies.
Foreign drivers may be able to transfer their no-claims bonus acquired in another country to a Turkish insurance policy. They will need to obtain a certificate from their insurance company stating the amount of no-claims bonus they have.
Making a Claim
In the event of a road traffic accident drivers must file their claim with their insurance company within five days. The following documents should be sent with the claim:
- Copy of the insurance policy (Poliçe),
- Accident report sheet (Tutanak örneği), or a written statement from the driver
- Result of the breathalyser test (Alkol Raporu) (original or copy)
- Copy of the vehicle registration documents,
- Copy of the driving licence
- Photographs of any damage (if possible)
Cancelling/Transferring a Car Insurance Contract
In Turkey, insurance contracts are automatically renewed at their expiry date. Three months' written notice must be given when cancelling a car insurance contract.
The Green Card
Turkey is party to the Green Card arrangements. The Green Card or International Motor Insurance Certificate extends normal insurance to other European countries visited by the driver. It is an internationally recognised document, which is accepted by the authorities of all other European countries.
For foreign plated cars, a Green Card is required when travelling to Turkey and proof of valid vehicle insurance must be provided at the border. Not all insurance companies will provide a Green Card for travel to Turkey. Temporary car insurance must be purchased if the driver of the vehicle does not have a Green Card; this can be purchased for a day, week, month or longer. In general, insurance offices are open 24/7 at most border crossings.
The Green Card system is managed by the Council of Bureaux in London.