Frequently Asked Questions
We have collected the questions we are asked most about insurance, with straight answers. If you cannot find yours, just call us.
General questions
No. The premium is set by the insurer's tariff and buying through an agency does not increase it. The difference is that an agency can compare several insurers and run the claim process on your behalf.
Yes. You can renew with us when your current policy expires. Mid-term transfer is also possible through cancellation and refund; we calculate which option works out better for you.
For a vehicle: the plate and the registered owner's ID number. For a home: address, square metres and construction type. For health: date of birth and the people to be insured. If you would rather not share details online, we can proceed by phone.
By credit card in instalments, bank transfer or cash. The number of instalments varies by insurer and class, and we tell you who offers what while quoting.
Policies are held electronically. Call us and we will send a copy by e-mail or WhatsApp the same day.
On motor liability, the step falls back if no policy is taken for two consecutive years or if a claim is paid. On kasko, every paid claim affects the discount, apart from exceptions such as glass and mini repair.
We first request the reason for refusal in writing. If we believe you are right, an application to the Insurance Arbitration Commission is open; we help you prepare and follow the file.
Yes. We track expiry dates, re-scan the market before renewal and call you, so automatic renewal never quietly costs you more.
Video insurance glossary
Browse our glossary explaining insurance terms in short videos (in Turkish).
Questions by class
Motor Insurance
Vehicle usage type, the province where the plate is registered and, above all, your no-claims step, plus each insurer's own pricing criteria. Different insurers price the same statutory cover differently, and we compare the quotes for you.
Driving while uninsured carries a fine and the risk of the vehicle being taken off the road. If the policy is not renewed for a long time (generally more than two years), your no-claims step may drop back to the starting level.
Your kasko policy, if you have one. Otherwise the damage to your own vehicle is not covered.
Yes. Motorcycles on the road fall under compulsory motor liability just like cars; riding without a policy risks a fine and being taken off the road.
No. Motor liability only pays for damage you cause to others. You need kasko for your own motorcycle and personal accident cover for your own injuries.
Make the scene safe first and call 112 if anyone is hurt. Fill in an accident report with the other party or call the police or gendarmerie if needed, take photos and let us know straight away. We follow the claim file on your behalf.
Liability covers the other party; kasko covers your own vehicle. They complement rather than replace each other.
Policies with an authorised-workshop clause require the insurer's network. A free-choice option usually costs a little more but adds flexibility.
It depends on the insurer, but paid claims generally affect your no-claims discount. Certain covers such as glass and mini repairs, or a no-claims protection cover, can soften that. For small amounts it can pay not to claim, and we run the numbers for you.
A deductible lowers the premium in return for you carrying part of the loss. Quick Sigorta's KASKONOMİQ works this way; see its product page for details.
The deductible is a percentage of the vehicle's value, not of the loss. In Quick Sigorta's own example, a vehicle worth TRY 1.5 million suffers TRY 900,000 of damage: with a 15% deductible, TRY 225,000 (15% of the value) is deducted and TRY 675,000 is paid; with 25%, TRY 375,000 is deducted and TRY 525,000 is paid. The figures only illustrate how the calculation works.
A higher deductible means a lower premium but a bigger share of each loss for you. We put the amount you might have to pay at claim time next to the premium difference and choose the right rate with you.
Yes, there is no vehicle age limit. You can also get a quote for motorcycles that are not in the excluded categories.
Standard kasko generally pays the loss in full within the policy terms, whereas with KASKONOMİQ a share equal to 15% or 25% of the vehicle's value stays with you. In return you pay a lower premium.
Private cars, light commercial vehicles and motorcycles.
The Accident Package gives you 2 tows and 1 recovery after an accident. The Accident & Breakdown Package adds 1 breakdown tow plus breakdown, flat-tyre and out-of-fuel services, with a higher total annual limit.
If the roadside assistance in your kasko has enough scope and limits for you, you may not. It is a practical add-on for vehicles without kasko or policies with limited assistance, so let us review your policy together.
There is no single right number. If you drive in dense city traffic or on routes with many luxury cars, we recommend a high limit or unlimited IMM. We put the insurers' limit options and premium differences side by side to help you decide.
Yes. Kasko covers your car; IMM covers damage you cause to others above the statutory limit. Let us check together whether your kasko package includes IMM and at what limit.
The other party can claim the amount motor liability does not pay directly from you, and it is recovered from your personal assets.
Life Insurance
No. Term life is pure risk cover; if the policy year ends without a death, no premium is refunded. If you also want savings, we can look at savings life products together.
Because the policy is renewed every year, the premium is recalculated at renewal based on your age and the insurer's tariff. It generally rises with age.
Banks usually ask for Credit Life Insurance linked to the loan balance. You do not have to buy it from your bank; see our Credit Life Insurance page for details or ask us for a quote.
If accidental total and permanent disability has been added to your policy, it also pays when an accident leaves you totally and permanently disabled. Disability caused by illness is not covered by that add-on.
After paying premiums for at least two years, once your savings reach 50% of the price of the car you are aiming for, you become co-owner with QCAR and start using it. How long that takes depends on your premium and the price of the car.
The product lets you take your savings and leave the scheme. The timing and conditions of exit are set out in the policy terms, and we go through them with you before you decide.
Because Lüküs Hayat is a life insurance policy, your family is financially protected in the event of your death. The amount payable and the beneficiaries are stated in the policy.
Group term life is issued for groups of at least 10 people. For smaller teams we can look at individual term life policies.
The leaver is removed from the policy by endorsement, and new starters are added the same way. We follow up these list changes on your behalf.
Group life covers death regardless of cause, subject to policy exclusions. Group personal accident only pays for death and disability caused by an accident. The two can also be combined.
Earthquake, flood, volcanic eruption and landslide may not be part of the standard cover. If they have been added to your policy as additional cover, accidents occurring during these events are covered too. We can check together whether your policy includes it.
Health insurance covers illness and accident together, focusing on treatment costs. Personal accident covers accidents only, mainly by paying the sum stated in the policy.
Yes. Group Personal Accident Insurance is available for employee groups; see that product's page for options such as group discounts and cover limited to working hours.
Yes, if the policy is set up on a 24-hour basis. Policies limited to working hours only cover accidents during working time, and this choice also affects the premium.
Joiners and leavers are added to or removed from the policy by endorsement. We follow up these updates on your behalf.
For permanent disability, payment goes to the insured employee. On death, it is paid to the beneficiaries named in the policy or, if none are named, to the legal heirs.
No. You can buy a policy elsewhere that meets the bank's cover requirements and submit it. By comparing options, it is often possible to find a lower premium.
The bank is paid first, up to the outstanding loan balance. If the sum insured exceeds the debt, the remainder goes to the heirs.
Term life pays the sum you choose to your beneficiaries for a one-year period. Credit life is designed primarily to pay off the loan over the loan term. They meet different needs and can be held together.
Home Insurance
By seismic risk zone, construction type and gross floor area. Because DASK sets the tariff, the premium is the same whichever authorised channel you buy it through.
The legal duty lies with the owner. Since a policy may be requested for things like utility subscriptions, tenants can also buy it by agreement with the landlord. Your own belongings need home insurance.
No, DASK covers the building only. Contents need a home insurance policy.
Not compulsory, but strongly advised. DASK covers only the building and only earthquake; water damage, fire and burglary need a home policy.
Your own internal-water cover pays, and the insurer may then recover from the party at fault. You do not have to manage the dispute yourself.
Think of what it would cost to furnish your home from scratch today. We add up appliances, furniture, electronics and textiles to reach a realistic figure.
Yes. Insuring the building is the owner's matter; you can insure your belongings and your liability as a tenant for damage you might cause to the owner or neighbours.
DASK is capped at a maximum set by construction type. If rebuilding your home would cost more, the excess stays with you unless you have supplementary earthquake insurance.
Generally not. Because it targets the part above the DASK limit, a valid DASK policy is required first. If you do not have DASK, we arrange both together.
Supplementary earthquake insurance is a narrower product focused on earthquake and fire. Home insurance can also cover everyday risks such as water damage, burglary and glass breakage, as well as your belongings. We compare the two based on your needs.
Travel Insurance
A Schengen visa requires a policy with at least EUR 30,000 of medical treatment and transport cover, valid in all Schengen countries for the whole trip. Other countries may have different rules, so we check the consulate's requirements with you.
If you only need to meet the visa requirement, the standard package is often enough. For a long holiday, a multi-stop trip or travelling with valuable luggage, we recommend the extended package with baggage, bag snatching, emergency dental and personal accident covers.
If travel has not started, cancellation and a premium refund are generally possible on presentation of the refusal letter; conditions depend on the insurer. Just send us the letter and we handle the cancellation.
Where possible, call the assistance line on your policy before treatment; referrals and approvals go through that line. Keep invoices and reports, and we will help you follow up your claim when you return.
Your existing cover may pay for treatment but not for travel-specific costs such as medical transport, repatriation, extended stay, baggage loss, delay or agency insolvency. Domestic travel insurance fills those gaps.
If your policy includes agency insolvency cover, it pays up to the tour price when the operator goes bankrupt. For other cancellation reasons we review the policy terms with you.
Usually yes. The policyholder can be the inviting person or company in Türkiye while the insured is the visitor; we prepare the policy with passport details and travel dates.
By calling the assistance line on the policy for a treatment referral. We advise keeping all documents and help follow up the claim.
The policy period is set according to your programme; for long programmes we compare suitable duration options across insurers. If you need an extension, just let us know before the policy ends.
Besides health covers, your programme may also require personal liability cover. Some products offer it as an option; for example, Sompo Sigorta's study abroad product allows liability cover to be added for Erasmus.
Health Insurance
Private health insurance sits on top of public cover, not instead of it. You need it if you prefer private hospitals, want to choose your own doctor and avoid queues.
Usually yes, though that condition may be excluded or an extra premium may apply. The insurer's medical team decides; we apply to several insurers to find the best terms.
On a tighter budget with public cover, complementary health is very efficient. For a wider hospital network, treatment abroad and higher limits, full private health insurance is the better fit.
No; it works at private hospitals contracted both with SGK and with your insurer. We check the provider list with you before the policy is issued.
No, TSS works on top of SGK. For people without SGK cover, full private health insurance is the right solution.
With some insurers, yes. For example, Quick Sigorta's TSS product allows children under 18 to be insured on their own. We check insurers' current conditions for you.
No — the premium is the price of the risk. However, claim-free years may earn a renewal discount with some insurers.
Yes. Even if you are not in a vehicle, traffic accidents you have as a pedestrian are covered.
If your existing health policy already covers inpatient treatment after traffic accidents, a second policy is often unnecessary. If you have no health policy, this accident-only product can be a narrower alternative; we review your policy and decide together.
The product focuses on inpatient treatment; minor interventions and ambulance are also among the unlimited covers. For other items we check the product information form with you.
No, it is optional. It can be seen as additional financial protection on top of your existing health insurance.
Turkish citizens aged 18–60.
Health insurance pays treatment costs. Yaşam Terapi pays a lump sum for covered illnesses that is not tied to invoices, supporting you with lost income and costs beyond treatment.
A 90-day waiting period applies, and illnesses arising within it are generally not paid. The exact conditions are in the policy terms, and we explain them in detail before you apply.
No. The product is offered only to foreign nationals living abroad who come to Türkiye for health tourism. If you live in Türkiye, we can compare health insurance options for you.
Before the operation. A policy issued after the operation does not cover that operation's complications.
Aesthetic revisions requested only because the patient dislikes the result are generally excluded. Where a medical complication or a failed result occurs, the revision may be covered within the selected limit, assessed under the policy terms.
No. The operation must take place at an accredited hospital or clinic in Türkiye.
Financial Insurance
Surety bonds issued by insurers are accepted as guarantees in tenders under Public Procurement Law No. 4734. For purchases outside the scope of the law or private-sector work, acceptance depends on the client's terms; we review the tender documents with you.
A bank guarantee letter uses up your non-cash credit line at the bank. With a surety bond you can keep that line free for other financing needs.
Because the insurer will act as your guarantor, it reviews your financial position. If your financial documents do not meet its assessment criteria, the application may be declined or a lower limit than requested may be assigned.
Surety bonds can be verified through the Insurance Information and Monitoring Center (SBM).
A guarantee given to the tax office must remain valid until the refund process is concluded and be usable without conditions if needed. That is why surety bonds used for VAT refunds are issued on an open-ended, unconditional basis.
No. A guarantee comes into play when the refund is to be received against a guarantee. We recommend assessing with your financial adviser whether it is needed in your case.
No. Because the insurer will act as your guarantor, it reviews your financial position; approval and the limit depend on the outcome of that assessment.
Trade receivables from credit sales with payment terms not exceeding 120, 180, 240 or 360 days. We work out together which term option suits your sales conditions.
The maximum indemnity is limited to 30 times the net premium you pay, so we assess the balance between premium and expected protection with you before you apply.
The premium depends on your credit-sales turnover and the payment term you choose. We share current rates at the quotation stage.
Applications are made through the SBM infrastructure. We prepare the required information with you and follow the process.
The seller or contracting company takes out the policy; the people who benefit from it are those buying the home on a pre-paid basis.
If the seller goes bankrupt, dies or is declared missing, payments are refunded with statutory interest or the building is completed. Detailed conditions are set out in the policy terms.
Because the insurer is giving a guarantee to buyers, it reviews the company's financial position; approval and the guarantee limit depend on that assessment.
The guarantee is calculated as at least 15% of the market value of the products at warehouse capacity. We work out the amount with you based on your capacity and product type.
Payment is made to the Compensation Fund, not to the warehouse operator.
Because the insurer will act as guarantor for your business, it reviews your financial position; approval and the guarantee limit depend on the outcome of that assessment.
It is designed for businesses that sell to customers on promissory notes or instalments without asking for a credit card or guarantor.
For approved transactions, if the customer does not pay, Quick Sigorta steps in within the policy terms.
No. Protection applies to transactions approved by the system with a promissory note created; approval depends on the insurer's assessment.
Business Insurance
If a covered loss such as a fire halts trading, it pays your fixed costs and lost net profit for the indemnity period stated in the policy.
Employer's liability. Amounts reclaimed from the employer by the social security institution (SGK) and the employee's own compensation claims are paid within the policy limits.
Yes, we can combine them in a single policy with a per-address schedule, which makes administration and renewal easier.
Other Insurance
It is when personal details such as your ID number, card details or passwords are obtained without your permission and used to carry out transactions in your name. It can take forms such as accounts opened in your name, spending on your card or applications made in your name.
No, personal accident cover is an optional add-on to the package.
Payments are limited to the amount set in the policy for each cover. For example, password theft and ATM theft have separate limits; see the amounts in the table.
The SHGM UAV instruction makes insurance compulsory for commercial use. We check the current requirements for recreational use for you; even where it is not compulsory, we recommend liability cover for damage you may cause to others.
Hull cover pays for damage to, theft or loss of the drone body and its attachments, subject to the policy terms.
The drone's make and model, its value, attachments and intended use are the basics. Just fill in the form; if anything is missing, we will call you.
Standard personal accident policies usually exclude risky sports or require additional cover. We can review your current policy terms and tell you what is missing.
Motorcycling, skiing, diving, mountaineering, sailing, hunting and paragliding. If you do a different activity, tell us before the quote and we will check with the insurer.
Yes, treatment costs following an accident are paid within the policy limit. The limit depends on the cover selected.
Yes. Practising doctors, dentists and specialists must hold Compulsory Medical Malpractice Liability Insurance.
The policy is arranged to also cover claims arising from professional practice during the previous 10 years. The exact conditions are set out in the policy and the general conditions.
Yes, court costs are included in the cover.
Pet insurance is generally offered for cats and dogs. Age limits vary by insurer, but animals between 6 months and 8 or 10 years old are usually accepted.
Generally not; vaccines and parasite treatments are excluded in most packages. Some packages do, however, offer grooming-type services such as an annual check-up, nail trimming and eye and ear cleaning.
If it meets the other conditions, yes; however, conditions that existed before the policy and congenital and hereditary conditions are generally excluded, so treatment related to that condition may not be covered.
It depends on the insurer: some packages are valid only at contracted vets, while others apply a higher co-payment at non-contracted clinics. At the quotation stage we check which insurers your regular vet works with.