Name: Traffic Insurance
Brand: Eftelya Sigorta
Availability: InStock

Question 1

What is Traffic Insurance?

Accepted Answer

Traffic Insurance is a mandatory insurance for all motor vehicles on the road. It covers material and bodily damages to the other party in case of an accident, within legal limits. It does not cover damages to your own vehicle.

Question 2

Can Mandatory Traffic Insurance be paid in installments?

Accepted Answer

Mandatory Traffic Insurance can be paid in installments via credit card, depending on the insurance company and bank.

Question 3

How are Traffic Insurance premiums calculated?

Accepted Answer

Traffic insurance prices are determined based on the vehicle's technical specifications, the city and license plate code where it is registered, and the vehicle owner's claim history. Claim-free drivers pay lower premiums.

Question 4

What are the No-Claims Bonus Steps in Traffic Insurance?

Accepted Answer

No-claims bonus steps are risk levels determined by whether the driver has had an accident during the traffic insurance period, and they directly affect the premium amount.

Question 5

How do No-Claims Bonus Steps work?

Accepted Answer

If no claim is made during the policy period, you move up a step and earn a discount; if a claim is made, you move down a step and the premium increases.

Question 6

What are the Traffic Insurance No-Claims Bonus Steps and Rates?

Accepted Answer

Step 1: High claim history – highest premium increase. Step 2: Driver with claims – high premium increase. Step 3: Driver with claims – premium increase applied. Step 4: Starting level – no discount or increase. Step 5: No claims – approximately 5% discount. Step 6: No claims – approximately 10% discount. Step 7: Long-term claim-free – approximately 20% discount. Step 8: Highest no-claims – approximately 30% discount.

Question 7

What is No-Claims Discount?

Accepted Answer

Drivers who remain claim-free for a long time pay lower traffic insurance premiums with each renewal.

Question 8

What happens in case of a claim?

Accepted Answer

If a claim is paid from traffic insurance after an accident, the no-claims discount decreases or may be completely lost.

Question 9

How can I check my Traffic Insurance?

Accepted Answer

You can check your traffic insurance through e-Government or the Insurance Information and Monitoring Center (SBM) system using your license plate and Turkish ID number.

Question 10

What is the purpose of Traffic Insurance?

Accepted Answer

Traffic Insurance is designed to ensure that the damages of third parties in traffic accidents are covered, while also preventing the driver from facing unexpected high costs.

Question 11

What are the general terms of Traffic Insurance?

Accepted Answer

The general terms of Traffic Insurance determine in which cases payment will be made in accidents and which cases are excluded from coverage; they also clearly define the procedures to be followed after damage and the responsibilities of the insured and the insurance company.

Question 12

What does Traffic Insurance cover?

Accepted Answer

Traffic Insurance covers damages to the other vehicle in accidents, as well as compensation for third parties' medical expenses, disability, and death, and only covers damages to the other party.

Question 13

What does Traffic Insurance not cover?

Accepted Answer

Traffic Insurance does not cover damages to your own vehicle, the driver's own health expenses, damages resulting from intentional acts, and amounts exceeding the policy coverage limits.

Question 14

When should Traffic Insurance be obtained?

Accepted Answer

Traffic Insurance must be obtained before the vehicle is first registered and put on the road, and must be renewed each year before the policy expires to maintain continuous coverage. Late renewal may result in penalty premiums. Penalty: Traffic insurance must be obtained on the due date; even one day delay results in a 5% surcharge. Within the first month after the delay, a 5% premium increase applies. In the second month, the surcharge becomes 10%, increasing each month.

Question 15

Is Traffic Insurance mandatory?

Accepted Answer

Traffic Insurance is a mandatory insurance that must be obtained by all motor vehicle owners.

Question 16

What is the difference between Traffic Insurance and Comprehensive Insurance?

Accepted Answer

Traffic Insurance is a mandatory insurance that covers the other party's damages within legal limits in accidents. Comprehensive Insurance is optional and covers damages to your own vehicle, theft, and risks such as natural disasters.

Question 17

What is Plus Traffic Insurance?

Accepted Answer

Plus Traffic Insurance is a traffic insurance product that provides additional coverage for Assistance, Personal Accident, Optional Liability, and Legal Protection limits in addition to Mandatory Traffic Insurance. Plus Traffic Insurance provides additional coverage to take effect when the limits of Mandatory Traffic Insurance are exceeded.

Question 18

How is Traffic Insurance obtained?

Accepted Answer

You can complete your traffic insurance quote and policy transactions only by contacting us. Call +90 0212 211 71 18 between 09:00–18:00.

Question 19

Where can I get Traffic Insurance?

Accepted Answer

Simply contact us for your traffic insurance transactions. +90 0212 211 71 18 (09:00–18:00).

Traffic Insurance

Traffic Insurance

Need help? We're here for you