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First call the traffic police on 154. Meanwhile you must not move your vehicle. There should be two warning triangles in your car already by law. One is to place in the front of your vehicle and one behind it. Police can issue on the spot fines if you do not do this.









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It is compulsory in Turkey for everyone who owns a vehicle to have at least third party car insurance.





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You can find a motor insurance company through the yellali business directory
MOTOR INSURANCE IN TURKEY





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Yes, some Turkish insurance companies do permit this. If a foreign driver can provide the no-claims bonus from another country by obtaining a certificate from their foreign insurance company then they may be able to transfer their no-claims bonus to the Turkish insurance policy.





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In Turkey, Motor insurance contracts are automatically renewed on the date of expiry. If you wish to cancel your policy you need to submit a three months written notice.





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If a driver is involved in a road traffic accident then he/she has to file their claim with their insurance company within five days.

The following documents are required to be submitted with the claim: Copy of the insurance policy
Accident report sheet (Tutanak örneği), or a written statement from the driver or police/Jandarma
Result of the breathalyser test (original or copy)
Copy of the vehicle registration documents,
Copy of the driving licence
Photographs of any damage (if possible)






Tags: Insurance

Compulsory Earthquake Insurance Coverage

TCIP indemnifies the material damages - which are caused by earthquakes and the fires, explosions, tsunami and landslide that are caused directly by the earthquake within the limits stated in your policy.

The building parts - which are mentioned below - are covered collectively or separately:

Foundations,
Main walls,
Common walls separating the independent sections,
Garden walls
Retaining walls
Ceilings and basements
Stairs
Elevators
Platforms
Corridors
Roofs
Chimneys
Supplementary sections of the building which have similar qualities to those mentioned above

Incidents That Are Not Covered by CEI

Compulsory Earthquake Insurance indemnifies the material damages in your building that are caused by earthquakes.

The losses which occur due to the following incidents are not covered:

Debris removal costs
Loss of profit
Business interruption
Loss of rent
Alternative residence and workplace costs
Financial liabilities and similar other losses which can be claimed
All kinds of movable properties, goods, etc.
All bodily injuries and death
Non-material damages
Losses which are not caused by the earthquake.
Independently of the earthquake, damages which occur in time due to the flawed structure of the building

You can choose different homeowners policies for this type of losses in addition to your Compulsory Earthquake Insurance. Maximum Sum Insured

With Compulsory Earthquake Insurance, TCIP aims at providing the insureds with the opportunity to go on with their lives after earthquake.

Expressing that "Earthquake will pass, and life will go on", TCIP provides maximum amount of insurance which is determined every year as per the increase in the construction costs. Maximum sum insured amount given by TCIP is 160 thousand TL for all building types as of 1 January 2016.

While determining the sum insured amount, the re-building costs of the damaged building (excluding the land value) are taken into consideration. The indemnity amount of the insured is determined according to the size and the building style of the dwellings on condition that it does not exceed the maximum sum insured.

In the event that the building's value exceeds the maximum sum insured given by TCIP, the insured person can receive additional cover from the insurance companies for the exces amount. You need to have a homeowners insurance policy provided by private insurance companies. Buildings Covered By CEI

In a general, Compulsory Earthquake Insurance is an insurance system that is developed for the residential buildings which are within the municipality's borders.

Pursuant to Disaster Insurances Law no. 6305, the following buildings are covered:

Buildings which are constructed as residential and registered in the land registry office under private ownership.
Independent sections that are in the scope of Property Ownership Law no. 634
Independent sections in these residential buildings which are used for business office, bureau and similar purposes
Dwellings which are built by the state or with the loan given due to the natural disasters

Buildings Which Are Not Covered By CEI

Building types that are not covered by Compulsory Earthquake Insurance are as follows:

Buildings which belong to public institutions and organizations
Buildings which are built in the villages
Buildings which are fully used for commercial and industrial purposes (Office Block / Business Center / Administrative Service / Training Center, etc.)
Buildings whose construction is still incomplete
Buildings constructed wihtout engineering principals
Building whose main bearing structure has been weakened
Buildings bearing structures designed and constructed against the building codes
Buildings required to be demolihed by the public offices and those with insufficient quality for living and obsolote condition.

You can acquire Voluntary Earthquake Insurance for buildings which are not covered by CEI.

The village residences are not covered by the insurance due to the fact that general income level is very low, that no inspections are conducted on the buildings and that it is inconvinient to acquire the insurance.

However, it is possible to obtain Voluntary Earthquake Insurance, if desired, for buildings in village residential areas.

Similarly, it is possible to obtain Voluntary Earthquake Insurance for buildings that are used for commercial and industrial purposes through private insurance companies

Natural Disaster Insurance Institution (TCIP)



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