Vehicle insurance is mandatory in 2019. When purchasing traffic insurance, it is important to pay attention to the policy content, since omitting certain coverages can cause problems later. People who must obtain compulsory traffic insurance should compare quotes from different insurers before buying a policy. Points to consider include:
- Compare offers from different insurance companies when purchasing traffic insurance to ensure you get the best coverage and price.
- Provide complete and accurate vehicle and personal information when issuing the policy. Vehicle details such as usage type, make and model must be correct.
- Policy dates must be observed. Traffic insurance policies are issued for one year; failing to renew at the end of the term can lead to penalties.
- Traffic insurance primarily covers damage to third parties, so it protects you financially against potential accident liabilities.
Documents Required for Traffic Insurance
Documents requested for traffic insurance can often be gathered quickly through online procedures. This avoids long procedures and excessive paperwork during the quotation and application phases. If the vehicle registration document (registration certificate) is available, related coverages such as comprehensive insurance (kasko) can often be obtained more easily. Required documents vary by company and procedure, but commonly requested items include:
- Vehicle registration document (title/registration)
- Profession card, if a profession-related discount applies
- Complete and accurate answers to any questions on the insurance form
Things to Consider When Buying Comprehensive (Kasko) Insurance
Key considerations for kasko include finding the insurer that offers the best price while meeting your coverage needs. Procedures, required documents and the scope of services vary between companies. Important points to check are:
- The policy is based on the insured person’s declarations, so provide accurate information to ensure the policy meets actual needs.
- After the policy is issued, verify that vehicle details such as make, model and usage type are correctly recorded.
- By law, all vehicles on the road must have compulsory traffic insurance.
Traffic Insurance Inquiry
You can check traffic insurance online quickly. Traffic and kasko insurance details can be queried using the national ID number (TC identity number) and vehicle plate number. Through these queries you can access:
- Compulsory traffic insurance expiration date,
- Comprehensive (kasko) insurance expiration date,
- Information about the insurance companies for both kasko and traffic insurance.
With just your national ID number and license plate you can complete insurance inquiries easily. This means you can view policy details even if the physical policy document is not with you.
Traffic Insurance Prices
- Traffic insurance premiums vary depending on the chosen insurer and the scope of coverages. Although many companies’ base rates are similar, the benefits and service procedures may differ.
- Traffic insurance is regulated under Highway Traffic Law No. 2918 and carries penalties if not held. Compulsory traffic insurance covers bodily and property injury to third parties involved in accidents.
Traffic Insurance Discounts
Discounts for traffic insurance do not typically apply to drivers entering traffic for the very first time. Policy discounts are applied in the name of the person listed on the policy. No-claims discounts for compulsory traffic insurance are calculated across seven levels. First-time drivers are generally placed at level 4. If a driver completes the first year without causing a fault-based accident, they move to level 5 and receive a 10% no-claims discount. If no accident occurs in the second year, they advance to level 6 and receive a 15% discount. If the third year is also accident-free, they reach level 7 and get a 20% no-claims discount. If a fault-based accident occurs during a policy year, the next year the driver may be moved back to level 3, which can result in a 20% increase in the premium.
Vehicle Insurance Payments
Payment for car insurance can be made in a single installment or in installments, depending on the policyholder’s preference. Compulsory traffic insurance covers damage and losses caused to others in the event of a traffic accident. Compensation claims arising from material and bodily harm to third parties are covered under the policy. Premium amounts are calculated based on vehicle information, claim history and the province where the vehicle is registered. Premiums can be paid in full up front or in installments by credit card or bank account. Traffic insurance is mandatory and valid for one year. When applying at a branch, the policy is usually issued immediately and payment is taken at that time. Premium levels are determined by whether the driver has been at fault in previous accidents. The step system used for drivers consists of seven levels; the driver’s premium is calculated according to this system.
Traffic Insurance Renewal Prices
Traffic insurance renewal is required annually. Policies expire after one year and must be renewed; otherwise driving without valid insurance may result in fines. Renewal premiums depend on whether the vehicle has been involved in accidents. If accidents occurred, the impact on premiums follows the step system (applied for new drivers as well):
- If the policy’s third year closed with a claim: 150% increase.
- If the policy’s second year closed with a claim: 100% increase.
- If the policy’s first year closed with a claim: 50% increase.
- If the policy’s first year was claim-free: 15% increase.
- If the policy’s second year was claim-free: 30% discount.
- If the policy’s third year was claim-free: 45% discount.
Vehicle Insurance Inquiry (2019)
Online vehicle insurance inquiry systems accept national ID numbers and license plates for searches. You can perform insurance checks online. To access the e-Government (e-devlet) system you need an e-Government password. Notes for accessing e-Government:
- To log in to e-Government you need your national ID number and e-Government password.
- The e-Government password can be purchased from any PTT branch for a small fee.
- After obtaining the password you can log in to e-Government.
- Once logged in, you can check your insurance status under the insurance section.
If you have compulsory traffic insurance and are at fault in an accident, the insurance will cover the damages you caused. In this way, motorists are protected by compulsory traffic insurance against liability for accidents they cause.