Compulsory Traffic Insurance

Compulsory motor third-party liability insurance — known in Türkiye as trafik sigortası — is required by the Highway Traffic Law No. 2918 for every motor vehicle on the road.

If your vehicle is involved in an accident, it covers the other party’s material damage as well as bodily injury, disability and death, up to the legal limits stated in your policy.

Covered:

• Damage to third parties’ vehicles and property
• Third parties’ medical costs, disability and death compensation

Not covered:

• Damage to your own vehicle — this requires comprehensive motor insurance (kasko)
• Losses above the legal limits — you can increase protection with optional excess liability cover (İMM)

The coverage limits are updated every year by the authorities. We check the current limits in your policy with you when preparing the quote.

The main factors are the type of use (car, van, taxi, etc.), the registered owner’s claims history (no-claims level) and the province where the vehicle is registered. Claim-free years lead to a discount; years in which the insurer paid for damage you caused lead to an increase. Traffic insurance tariffs are regulated; we prepare the current quote for your vehicle and go through the cover with you.

• The registered owner’s Turkish ID number (tax number for company vehicles); foreign residents can use their foreign resident ID number
• Licence plate number
• Vehicle registration certificate (ruhsat) serial and document number
• Expiry date of your current policy, if any

Our office is inside the Maslak Atatürk Auto Industrial Estate (Atatürk Oto Sanayi Sitesi). If you are there for car service or repairs, you can drop by and arrange your policy in person, and discuss comprehensive and Green Card cover at the same time. You can also get a quote by phone or WhatsApp.