Underwritten by Quick Sigorta 
In accidents involving commercial vehicles such as trucks, tractor units, buses and staff shuttles, losses caused to third parties can easily exceed the compulsory motor liability and standard Voluntary Financial Liability (IMM) limits. The excess is claimed directly from your business.
IMM Excess insurance is an additional liability layer built on top of your existing motor liability and IMM covers, responding once the underlying limits are exhausted. We assess your fleet size, vehicle types and routes and set the limit you need together.
What is covered?
- Material damage above the motor liability and IMM limits
- Bodily injury above those limits: treatment, disability and death compensation
- Moral damages claims (at 20% of the IMM limit)
- Fleet vehicles grouped under a single policy
- Heavy commercial vehicles, tractor units, buses and staff shuttles
What you should know
This is a Quick Sigorta product, available through our agency.
According to Quick Sigorta's corporate product information, moral damages cover is limited to 20% of the IMM limit. Limits are based on information published by the insurer and may change; ask us for current amounts.
An excess policy depends on the underlying motor liability and IMM policies being in force, so we recommend keeping their renewals on the same calendar.
Frequently asked questions
In serious accidents involving heavy commercial vehicles, the loss can exceed the IMM limit in your kasko. The excess policy absorbs that surplus and protects your company's assets.
The product is designed for fleets and commercial vehicles; eligibility depends on your vehicle count and usage. Send us your details and we will check for you.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.