PERSONAL INSURANCES

A compulsory traffic insurance policy covers the loss or damage suffered by the other party; on the other hand, a motor own damage insurance policy provides protection and insurance in the event of damage to your car or vehicle in an accident. Coverage provided for motor own damage includes loss of or damage to or theft of your car or vehicle etc. The sum insured of Motor Own Damage can thus depend on the extent of your insurance policy.

You can fill in our form to calculate and learn the value and premium of your car or vehicle for Motor Own Damage and get a Motor Own Damage insurance quotation.

In addition to motor own damage, this insurance is extended to cover ex-factory accessories as well as add-on accessories provided that their relevant sums insured are specified in the policy.

In addition to standard coverage provided in the policy, you can also opt for more extensive insurance for side and rear bags, helmets and clothing of motorbikes, subject to an additional and appropriate premium payment.

The amount of premiums paid may depend on the coverage provided under a traffic insurance policy. The policy covers  payments effected in connection with the loss of or damage to the property of other parties and third parties as well as the public property. For instance, if you hit a utility pole while driving or overturn a roadside sign during an accident, then the insurance company will cover such loss or damage for you. The policy will also be extended to insure, not only any public property, but also any third party property  such as stores, shops, homes and gardens.

A traffic insurance policy is extended to cover:

• Bodily injury,
• Expenses incurred for first aid and treatment,
• Expenses incurred for the burial of mortal remains along with benefits provided to next-of-kins of such persons,
• Material damage sustained due to disablements and medical treatments,
• Indemnity for persons who receive a report of disablement.
• If you are not faulty in an accident in which you are involved, but you are still sued for injuries in consideration of allegations against you, then your expenses incurred for lawyers and claims will be covered under the policy.
• The coverage of insurance policies is prepared within limits specified by the Secretariat of Treasury. Insurance payments are subject to a limit of TRY 50,000 per vehicle. The amount of payment per accident is specified as TRY 100,000. Main elements of coverage, extensions, insurance types, no-claims bonuses and additional premiums may vary. A wide range of quotations can be offered per model and insurance company.

A Non-limited Facultative Motor Third Party Liability Insurance Policy provides limitless insurance for the legal liability caused by the operation of a vehicle/car, which are in excess of Traffic Insurance limits as well as Facultative Legal Liability limits under Motor Own Damage Insurance Policy, if any.