REGULATION ON TARIFF IMPLEMENTATION PRINCIPLES FOR MOTOR VEHICLES
COMPULSORY THIRD PARTY LIABILITY INSURANCE
Official Gazette of Publication: 14.07.2007 - 26852
Issued by: Undersecretariat of Treasury (Prime Ministry)
PART ONE
Objective, Scope, Basis and Definitions
Objective and scope
ARTICLE 1
(1) The objective of this Regulation is to regulate the principles and procedures for the determination
of tariffs freely by insurance companies for motor vehicles compulsory third party liability insurance
that are established by the Minister in charge of the Treasury Undersecretariat.
(2) This Regulation covers provisions concerning the principles for the determination of insurance
premiums by insurance companies, application of premium discounts and increases, minimum
insurance coverage amounts and the liability insurance required for those carrying out professional
activities related with motor vehicles, and those holding races, within the scope of the motor vehicle
compulsory third party liability insurance.
Basis
ARTICLE 2
(1) This Regulation has been prepared pursuant to Article 12 of the Insurance Law No. 5684 and dated
3/6/2007, and the sub-section (e) of the first paragraph of Article 2 of the Law on Organization and
Duties of the Treasury Undersecretariat and Foreign Trade Undersecretariat No. 4059 and dated
9/12/1994.
Definitions
ARTICLE 3
(1) The following expressions in this Regulation shall have the following respective meanings;
a) Minister: Minister who is in charge of the Treasury Undersecretariat,
b) (Amended: OG-19.6.2013-28682) Association: Association of the Insurance, Reinsurance and
Pension Companies of Turkey,
c) (Abolished: OG 6.2.2008-26779)
ç) Operator: Operator defined in the Highway Traffic Law No. 2918 and dated 13/10/1983,
d) Undersecretariat: Undersecretariat of Treasury,
e) Insurance company: Insurance companies holding license in the motor vehicle liability insurance
branch,
f) Insurance coverage: Financial coverage and treatment expenses, injuries and death coverage
provided within the scope of traffic insurance,
g) Traffic insurance: Motor vehicle compulsory third party liability insurance which is mandatory to
be procured as per the Highway Traffic Law No. 2918,
ğ) (Amended: OG-19.6.2013-28682)TRAMER: Traffic Insurance Information and Monitoring Centre.
PART TWO
Motor Vehicle Operators
Principles for determining insurance premiums
ARTICLE 4 (Amended: OG 6.2.2008-26779)
(1) (Amended: OG-19.6.2009-27263) Traffic insurance premiums are determined freely by insurance
companies as per this Regulation.
(2) (Amended: OG-19.6.2009-27263) Insurance companies are obliged to act in compliance with this
Regulation provisions. Provided that they are subject to the provision of Article 15 of this Regulation,
insurance companies may freely determine the basic insurance premium on city basis, based on the
type of vehicle set forth in the charts appended to the Regulation. Insurance companies may freely
determine reasons for increase and/or discounts provided that they do not exceed the range of 10%
discount and 20% increase based on the amounts specified. Insurance companies may not change the
premiums they have determined before 6 months have elapsed. The Undersecretariat is authorized to
increase, or entirely abolish, the upper limit for increase in premiums set forth in this paragraph.
(3) It is essential that the insurance contracts concluded on behalf of an insurance company for the
vehicles and/or operators with the same risks should be arranged on the same premium.
(4) (Annex: OG-19.6.2013-28682)(3)Insurance companies shall be obliged to provide insurance
premium offer options to motor vehicle operators in the course of policy issuance and completion
process and ensure necessary technical infrastructure thereof. Offers provided by insurance companies
shall be valid at least three working days but until the end of the month in which the offer was made.
Insurance companies shall send to TRAMER in writing and via a secured electronic environment the
base insurance premiums and premium discount and increase rates to be applied together with relevant
justification 10 days before the start of their implementation. TRAMER shall make this base premium,
premium discount and increase rates together with the relevant justification available to the
Undersecretariat.
(5) (Annex: OG-27.11.2013-28834) The Undersecretariat may decide for the determination of
insurance premium that the city where the operator is residing can be considered instead of where the
plate is registered.
Implementing discounts and increases
ARTICLE 5 (Amended: OG 6.2.2008-26779)
(1) Premium discount due to no claims or premium increase due to claims are implemented as per the
level principle specified in this article.
Step No
7
6
5
4
3
2
1
Discount %
20
15
10
-
Increase %
20
40
60
(2) The level with no premium increase and discount is applicable for those who will be in the traffic
for the first time as operators.
(3) In case no damage payment is made to the operator throughout the duration of the insurance
contract, the premium discount rate applicable for the subsequent insurance contract is determined
based on the next level. For each damage payment within the insurance period, the premium increase
applicable for the subsequent insurance contract is determined based on one lower level.
(4) The practice of premium increase realized due to the premium discount or damage payment shall
continue for the operator.
(5) In case a vehicle operator has more than one motor vehicle, or in case more than one motor vehicle
is operated under the title of an enterprise, or an establishment name, or with the ticket issued by such
enterprise, a separate insurance contract shall made for each vehicle, and the premium level applicable
shall be determined individually for each vehicle.
Documents which are required to be presented and kept
ARTICLE 6
(1) In order to determine the premium level, the insured is obliged to present:
a) The notary sales statement or the invoice or other documents indicating the relevant transaction, the
copy of the vehicle license of the previous owner of the vehicle, and the transportation certificate, if
any, in the case of vehicles sold but not yet registered,
b) The copy of the vehicle license and the transportation certificate if any, in the case of vehicles
registered in the relevant name.
(2) In case the most recent policy data of the insured cannot be checked by the insurer through the
TRAMER database, the insured shall submit a sample of the most recent policy to the company which
will offer the insurance.
(3) The Insurance company shall determine the discount and increase rates to be applied on the
insurance contract depending on the documents presented by the insured and the claim status
certificate to be obtained from TRAMER. In case the document demonstrating the vehicle sale
transaction or the copy of the vehicle license, and where necessary, a sample of the most recent policy
for the purposes of determining the premium level, the premium increase shall be calculated by adding
10% to the premium rate at the highest level.
(4) In case insurance companies apply no-claim discounts, or increase premiums due to payment of
damages, they should write the date and number of the claim status certificate on the insurance
contract, and they should keep the claim status certificates for at least three years, either as hard copies
or in electronic medium.
Insurance contracts not renewed in time
ARTICLE 7 (Amended: OG 6.2.2008-26779)
(1) Vehicle operators are obliged to renew insurance contracts as of the date of expiry. For each 30
days of failure of the vehicle operator to renew as of the date of the expiry of the insurance contract,
the premium is calculated by adding 5% in the subsequent insurance contract, provided that it shall be
limited with 50%.
Calculation of discounts and increases
ARTICLE 8 (Amended: OG 6.2.2008-26779)
(1)Discount and increase rates shall not be implemented on the insurance premium by adding, but on a
back-to-back basis.
Acquiring vehicle operator status and discounts for compulsory third party liability insurance
for road passenger transportation
ARTICLE 9 (Amended with the title: OG 6.2.2008-26779)
(1) Those who acquire vehicle operator status should conclude a traffic insurance as of the date they
acquire such status. For each 30 days of failure to fulfill the liability of making insurance contracts as
of such date, the premium is calculated by adding 5% in the subsequent insurance contract, provided
that it shall be limited with 50%.
(2) In case inter-city and international passenger carriers subject to the Highway Transportation Law
No. 4925 certify that they have concluded Compulsory Third Party Liability Insurance for Road
Passenger Transportation as per this Law for bodily injuries which the passengers may incur, a 20 per
cent discount shall be applied.
Losing vehicle operator status
ARTICLE 10 (Abolished: OG 6.2.2008-26779)
Change of operator
ARTICLE 11 (Amended together with the title: OG-19.6.2013-28682)
(1) The Insurance contract shall follow the vehicle operator that is the party to the contract. In case the
operator changes, the current insurance contract shall terminate automatically as of the date of change
and the premium is returned to the relevant party based on days. However, the current insurance
contract shall be valid for the new operator for a period of fifteen days without the need for any further
action, and without having to pay premiums.
(2) The operator shall inform the insurance company about the details of the new vehicle s/he owns.
The no claims discount right that the operator is entitled to shall continue to cover the vehicles of the
same type. In case the operator acquires a vehicle of a different type, the premium level shall be
determined according to Article 5, paragraph two. The premium level in the new insurance contract to
be issued for operators for which a premium increase shall apply shall continue as the same.
Vehicles taken abroad
ARTICLE 12 (Abolished: OG 6.2.2008-26779)
Short term insurance
ARTICLE 13
(1) Insurance period is one year. However, if vehicles with temporary license plates, international
goods and passengers carriers subject to the Highway Transportation Law No. 4925 and dated
10/7/2003 and vehicles with foreign license plates included in the scope of international multi-party or
mutual agreements that do not have any insurance policies accepted with international multi-party or
mutual agreements valid in Turkey, they may procure short term traffic insurance when entering the
Turkish borders. Short term insurance shall not be applicable for any other vehicles.
(2) The premium amount for short term insurance shall be determined on a daily basis, provided it is
not less than 25% of the yearly premium calculated with the level four figures.
(3) (Amended: OG 6.2.2008-26779) No claim discount shall not be applicable for short term
insurance. However, premium increase may be applied for such contracts due to damage, and
Compulsory Transportation Insurance discount may be offered.
(4) (Amended: OG 6.2.2008-26779) In case the new insurance contract to be issued following the
short term insurance contract is a yearly contract, no claim discount shall not be applicable.
Facultative third party liability insurance
ARTICLE 14
(1) It is possible to offer coverage above the minimum coverage amounts determined with this
Regulation, or by the Minister, provided that additional premiums are charged within the scope of the
motor vehicle facultative third party liability insurance.
Tariffs determined by Insurance Companies
ARTICLE 15 (Amended together with the title: OG 6.2.2008-26779)
(1) Insurance companies may determine tariffs provided that they remain in the discount and increase
range allowed for them with Article 4 of this Regulation. It is essential that the data within TRAMER
that is related with the sector in general also needs to be taken into account when the tariffs are being
prepared, and they should be submitted to the Undersecretariat through TRAMER at least 15 days
before the implementation starts. The report to be prepared by the authorized company actuary about
the company tariffs shall be kept at the headquarters in such a way as to ensure that it is ready for the
audit. The tariff related summarised justifications shall be submitted to the Undersecretariat by the
companies.
(2) TRAMER shall demonstrate the position of the tariffs sent to it in terms of the existing damage and
premium data in the Traffic Insurance branch, and shall send them to the Undersecretariat in order to
be taken into account when making assessments about the tariff.
(3) It is obligatory to arrange the insurance policies through the TRAMER database. No traffic
insurance policies may be issued by insurance companies before a TRAMER database is prepared
according to the basic insurance premium data determined on a city basis, as per the vehicle type. In
addition to compliance with the provisions of this Regulation, TRAMER also checks whether the
discount and increase ranges allowed for companies within the scope of Article 4 are exceeded or not.
(4) The Association may prepare a Traffic Insurance Guide Tariff as per the principles set forth by the
Undersecretariat provided that it is not binding. The Guide Tariff shall be published on the website of
the Association.
Amendments
ARTICLE 16 (Amended: OG 6.2.2008-26779)
(1) The Undersecretariat may change the premium amounts determined by the insurance companies,
within the scope of the increase and decrease limits pursuant to Article 4, taking into account the
financial structures of insurance companies, in compliance with the principles of the prevention of
unfair competition in the sector, and with the insurance principles, without being bound by the above
period.
Traffic insurance tenders held by public institutions and establishments
ARTICLE 17
(1) (Amended: OG 6.2.2008-26779) The insurance premium to be quoted for the traffic insurance
tenders held by public institutions and establishments shall be freely determined by insurance
companies.
(2) Insurance companies that are awarded the traffic insurance tenders within the scope of this article
shall send the tender details to TRAMER within 3 working days at the latest, as of the date of the
tender. TRAMER shall notify the tender information to the Undersecretariat on a monthly basis.
PART THREE
Those Carrying Out Professional Activities in relation with Motor Vehicles
Coverages
ARTICLE 18
(1) Owners of enterprises carrying out professional activities related with motor vehicles shall be
obliged to procure third party liability insurance for the liability they are subject to, due to the damages
caused by a motor vehicle entrusted with them for monitoring, repair, maintenance, buying and
selling, modification purposes, or for similar purposes.
Determining premiums
ARTICLE 19
(1) Premiums shall be freely determined by the insurance companies and collected as single payments.
When determining premiums, along with other factors affecting the risk of the insured, for
establishments which carry out monitoring services (parking lots-garages) and buying and selling
transactions (automobile galleries), the vehicle park capacity of the work place, for establishments
which carry out maintenance and repair services (repair facilities-service stations), the number of
permanent employees shall be taken as the basis.
(2) Insurance contract may be terminated in case the work place is transferred, activities cease or are
terminated, or in similar cases. The premium that the insurance company is entitled to until the date of
termination shall be calculated on a daily basis, and the excess shall be returned to the insured.
PART FOUR
Race Organizers
Coverages
ARTICLE 20
(1) Race organizers should conclude liability insurance with the minimum coverage set forth in this
Regulation for motor vehicle operators depending on the types of vehicles, which are in the race or
show, which accompany them, and which are used during the race or show, in order to cover the
liabilities of the persons taking part in the race, and those assisting them, towards third parties during
the course of the race.
(2) The coverage for bicycles used in bicycle shows may not be below the coverage amounts
determined for motorcycle or cargo motorcycle operators.
Determining premiums
ARTICLE 21
(1) Premiums are freely determined between the insurance companies and those holding races and
shows, and collected as single payments.
Insurance period
ARTICLE 22
(1) The period of the insurance contracts should cover the pre-race rehearsals and trainings, along with
the races.
PART FIVE
Miscellaneous and Final Provisions
Furnishing information
ARTICLE 23
(1) It is mandatory to present in a legible manner the reasons, rates and amounts for the discounts and
increases taken as the basis when issuing insurance policies.
(2) (Annex: OG- 19.6.2013-28682)(3) Insurance companies shall provide a premium inquiry screen on
their official web sites based on applicable insurance tariffs related with traffic insurance. This inquiry
screen has to give explanatory information on insurance premiums to those who want to make a
premium inquiry.Person’s access to data relating to traffic insurance and principles and procedures for
the implementation of this article shall be determined by the Undersecretariat.
Application of new coverage amounts to the contracts that are in effect
ARTICLE 24
(1) The coverage amounts specified with this Regulation are applicable for all insurance contracts in
effect without charging any additional premium.
(2) Insurance companies shall be obliged to write the following expression on the front side of the
policies they issue: "In case the coverage amounts are increased by the Minister in charge of the
Undersecretariat of Treasury, during the contract period, the coverage amounts specified in this
contract shall be applicable based on the new coverage amounts without the need for any further
procedure, and without charging any additional premiums.”
Policy records and information to be sent to TRAMER
ARTICLE 25
(1) Insurance companies shall be obliged to generate the traffic insurance policies on-line. (Annexed
sentence: OG-9.12.2009-27427) (1) The Insurance Information Centre number and the Information
Processing Reference Number of a minimum 12 font size generated by the Insurance Information
Centre for each policy shall be printed on traffic insurance policies.
(2) Insurance companies shall be obliged to send to TRAMER the policies and damage data related
with traffic insurance with a delay of at most one day.
Compulsory traffic insurance stamp
ARTICLE 26
(1) Insurance companies shall be obliged to give the insured parties the Compulsory Traffic Insurance
Stamps printed by the Association of the Insurance and Reinsurance Companies of Turkey, bearing
the serial number as well as name of the insurance company, and insurance period, along with the
insurance contracts, to be placed on the windshield of the insured vehicle.
Clearing room
ARTICLE 27
(1) Persons who have suffered from damages in a traffic accident involving more than one vehicle
may apply to any insurer of the vehicles, or to the assurance account in cases stipulated in Article 14
of the Insurance Law No. 5684, for their damages to be covered. The insurer that pays the expenses or
the assurance account may ask the amount it has paid, to be shared in proportion with the respective
responsibility rates.
(2) The demands for recourse to be made within the scope of this article shall be reimbursed through
the clearing room specified in section (i) of the second paragraph of Article 5 of the Regulation on
Traffic Insurance Information Centre published in the Official Gazette No. 26490 and dated
11/4/2007.
Confidentiality
ARTICLE 28
(1) The issues determined by the insurance companies within the scope of Article 4 may not be given
to the TRAMER Board members in any manner whatsoever.
(2) TRAMER Board members and TRAMER personnel may not use, or share with anyone else, the
information conveyed to TRAMER throughout, and upon the termination of their relevant duties.
TRAMER obtains a confidentiality statement, to be approved by the Undersecretariat, from the
persons who are included in the scope of this article but who do not hold public offices.
Sanctions
ARTICLE 29
(1) Administrative fines shall be applicable for the insurance companies and their intermediaries who
violate this Regulation or the principles, as required by sub-section (j) of the second paragraph of
Article 34 of the Insurance Law No. 5684.
Tariffs for 2007 and 2008
PROVISIONAL ARTICLE 1
(1) Among the tariffs specified in the first paragraph of Article 12 of the Insurance Law No. 5684,
those included within the scope of this Regulation are indicated in the annex to this Regulation.
Principles to be applicable in 2007 and 2008
PROVISIONAL ARTICLE 2
(1) Within the scope of the first paragraph of Article 15, and provided that it is for 2007 only, the
principles prepared by the Association shall be sent to the Undersecretariat to be approved by
15/7/2007. The principles approved by the Undersecretariat shall enter into force on 1/8/2007. The 6month period specified in Article 16 shall not be applicable for the principles to become applicable on
1/1/2008. The proposal for the principles to become effective on such date shall be submitted for the
opinion of the Undersecretariat at the latest by 30/11/2007.
Inspections to be carried out by TRAMER in 2007
PROVISIONAL ARTICLE 3 (Amended: OG 6.2.2008-26779)
(1) For the inspections to be carried out by TRAMER within the scope of the third paragraph of
Article 15 by 1/7/2008, compliance with the principles shall be taken into account.
PROVISIONAL ARTICLE 4 (Annex: OG 6.2.2008-26779)
(1) Among those who lose their vehicle operator status before 1/7/2008, and the operators who take
their vehicles abroad for professional activities or for work related purposes, for those who meet the
conditions set forth in Articles 10 and 12, these articles shall be applicable upon request.
PROVISIONAL ARTICLE 5 (Annex: OG-12.09.2009-27427)(1)
The existing discount rights of the insured parties whose policies shall be renewed according to the
new vehicle types added and defined through the amendment made in the charts appended to this
Regulation, effective as 01/01/2000.
Term to change insurance premiums
PROVISIONAL ARTICLE 6 (Annex: OG-19.6.2013-28682)
(1) The term of 6 months during which insurance companies cannot change the premiums they
determined as defined in Article 4, second paragraph shall be applied as 1 month until 01/01/2014.
Principles that shall be met regarding change of vehicle type
PROVISIONAL ARTICLE 7 (Annex: OG-27.11.2013-28834)(4)
(1) The status for available discount and increase for the related operators shall not change due to
change of vehicle type definitions.
Entry into Force
ARTICLE 30
(1) This Regulation shall enter into force as indicated below:
a) The first paragraph of Article 4 on 1/8/2007,
b) Other provisions on the date of publication.
Enforcement
ARTICLE 31
(1) The provisions of this Regulation shall be executed by the Minister in charge of the
Undersecretariat of Treasury.
________________
(1)
This amendment shall enter into force on 1/1/2010
(2)
This amendment shall enter into force on 1/1/2012
(3)
This amendment shall enter into force on 1/10/2013
4)
This amendment shall enter into force on 1/1/2014
The Official Gazette in which the Regulation is Published
Date
No.
14/7/2007
26582
The Official Gazettes in which the Regulations Amending the Regulation are Published
123456-
Date
6/2/2008
4/5/2008
No.
26779
26866
19/6/2009
27263
9/12/2009
27427
15/9/2011
28055
25/12/2012
28508
78-
19/6/2013
28682
27/11/2013
28834
ANNEX
Chart 1
Minimum Insurance Coverage
Applicable for Motor Vehicle Operators as of 01/01/2014
Coverage (TL)
B-Treatment
A-Financial(4)
Expenses
Vehicle
Group
Code
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
Vehicle Group
Automobile (9 seats including
driver)
Taxi
Van (10-17 seats including driver)
Bus (18-30 seats including driver)
Bus (31 or more seats including
driver)
Pick-up Truck
Truck
Work Machinery
Farm Tractor
Trailer(1)
Motorcycle and Cargo Motorcycle
Tanker Truck
Towing Truck
Special Purpose Vehicle(2)
Agricultural Motor Vehicles (3)
Per
Vehicle
Per
Accident
26,800
26,800
26,800
26,800
26,800
26,800
26,800
26,800
26,800
26,800
26,800
26,800
26,800
26,800
26,800
C-Injury and Death
Per
Person
Per
Accident
Per
Person
Per
Accident
53,600
53,600
53,600
53,600
268,000
268,000
268,000
268,000
1,340,000
1,340,000
2,680,000
4,824,000
268,000
268000
268,000
268,000
1,340,000
1,340,000
2,680,000
4,824,000
53,600
53,600
53,600
53,600
53,600
53,600
53,600
53,600
53,600
53,600
53,600
268,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
8,308,000
2,680,000
2,680,000
2,680,000
1,340,000
2,680,000
804,000
2,680,000
2,680,000
1,340,000
1,340,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
268,000
8,308,000
2,680,000
2,680,000
2,680,000
1,340,000
2,680,000
804,000
2,680,000
2,680,000
1,340,000
1,340,000
* Insurance coverage is increased based on the vehicle's transport capacity (number of seats+straphangers) according to
the principles set by the Undersecretariat on the condition that they are written on the vehicle licenses.
________________
1) Trailers used for human transportation. Trailers not used for human transportation are included in the insurance of
the motor vehicles towing them.
2) Motor vehicles manufactured for special purposes, for human transport and for carrying goods, and motor vehicles
such as fire trucks, ambulances (SA), live broadcast and recording (radio, cinema, television), library, recreational
vehicles towing (SA), armored vehicles (SB), research vehicles, funeral vehicles (SD) and motor vehicles used for
special purposes such as towing, transporting or removing broken or damaged vehicles.
3) Other motorized agricultural vehicles are in this scope except farm tractors.
4) The amount of coverage for tangible assets other than the vehicle equals to the coverage amount per accident.
Chart 2
Minimum insurance coverage applicable as of
01/01/2014 for those carrying out professional activities in relation with motor vehicles
Coverage (TL)
A-Financial
Enterprise Owners
1- Those in charge of
monitoring (parking lotsgarages)
2- Those in charge of repair and
maintenance services (repair
facilities-service stations)
3- Those dealing in buying and
selling transactions
(showrooms)
B-Treatment Expenses
C-Injury and death
Per Vehicle
Per
Accident
Per Person
Per
Accident
Per
Person
Per
Accident
26,800
53,600
268,000
1,340,000
268,000
1,340,000
26,800
53,600
268,000
1,340,000
268,000
1,340,000
26,800
53,600
268,000
1,340,000
268,000
1,340,000
Chart 3
Minimum Insurance Coverage
Applicable for Motor Vehicle Operators as of 01/01/2015
A-Financial(4)
Vehicl
e
Group
Code
Vehicle Group
Per
Vehicle
Per
Accident
Coverage (TL)
B-Treatment
Expenses
Per
Person
Per
Accident
C-Injury and Death
Per
Person
Per
Accident
Automobile (9 seats including
29,000
58,000
290,000 1,450,000 290,000 1,450,000
driver)
Taxi
29,000
58,000
290,000 1,450,000 290,000 1,450,000
Van (10-17 seats including driver)
29,000
58,000
290,000 2,900,000 290,000 2,900,000
Bus (18-30 seats including driver)
29,000
58,000
290,000 5,220,000 290,000 5,220,000
Bus (31 or more seats including
29,000
58,000
290,000 8,990,000 290,000 8,990,000
5
driver)
6
Pick-up Truck
29,000
58,000
290,000 2,900,000 290,000 2,900,000
7
Truck
29,000
58,000
290,000 2,900,000 290,000 2,900,000
8
Work Machinery
29,000
58,000
290,000 2,900,000 290,000 2,900,000
9
Farm Tractor
29,000
58,000
290,000 1,450,000 290,000 1,450,000
10
Trailer (1)
29,000
58,000
290,000 2,900,000 290,000 2,900,000
11
Motorcycle and Cargo Motorcycle
29,000
58,000
290,000
870,000
290,000
870,000
12
Tanker Truck
29,000
58,000
290,000 2,900,000 290,000 2,900,000
13
Towing Truck
29,000
58,000
290,000 2,900,000 290,000 2,900,000
14
Special Purpose Vehicle (2)
29,000
58,000
290,000 1,450,000 290,000 1,450,000
15
Agricultural Motor Vehicles (3)
29,000
58,000
290,000 1,450,000 290,000 1,450,000
* Insurance coverage is increased based on the vehicle's transport capacity (number of seats+straphangers) according
to the principles set by the Undersecretariat on the condition that they are written on the vehicle licenses.
_________________
1) Trailers used for human transportation. Trailers not used for human transportation are included in the insurance of
the motor vehicles towing them.
2) Motor vehicles manufactured for special purposes, for human transport and for carrying goods, and motor vehicles
such as fire trucks, ambulances (SA), live broadcast and recording (radio, cinema, television), library, recreational
vehicles towing (SA), armored vehicles (SB), research vehicles, funeral vehicles (SD) and motor vehicles used for
special purposes such as towing, transporting or removing broken or damaged vehicles.
1
2
3
4
3) Other motorized agricultural vehicles are in this scope except farm tractors.
4) The amount of coverage for tangible assets other than the vehicle equals to the coverage amount per accident.
Chart 4
Minimum insurance coverage applicable as of
01/01/2015 for those carrying out professional activities in relation with motor vehicles
Coverage (TL)
Enterprise Owners
1- Those in charge of
monitoring (parking lotsgarages)
2- Those in charge of repair
and maintenance services
(repair facilities-service
stations)
3- Those dealing in buying
and selling transactions
(showrooms)
A-Financial
B-Treatment Expenses
C-Injury and death
Per Vehicle
Per Accident
Per
Person
Per
Accident
Per
Person
Per
Accident
29,000
58,000
290,000
1,450,000
290,000
1,450,000
29,000
58,000
290,000
1,450,000
290,000
1,450,000
29,000
58,000
290,000
1,450,000
290,000
1,450,000
Chart 5
Minimum Insurance Coverage
Applicable for Motor Vehicle Operators as of 01/01/2016
A-Financial(4)
Vehicle
Group
Code
Vehicle Group
Per
Vehicle
Per
Accident
Coverage (TL)
B-Treatment
Expenses
Per
Person
Per
Accident
C-Injury and Death
Per
Person
Per
Accident
Automobile (9 seats including
driver)
31,000
62,000
310.00 1,550,000 310,000 1,550,000
Taxi
31,000
62,000
310,000 1,550,000 310,000 1,550,000
Van (10-17 seats including driver)
31,000
62,000
310,000 3,100,000 310,000
3.1.000
Bus (18-30 seats including driver)
31,000
62,000
310,000 5,580,000 310,000 5,580,000
Bus (31 or more seats including
5
driver)
31,000
62,000
310,000 9,610,000 310,000 9,610,000
6
Pick-up Truck
31,000
62,000
310,000 3,100,000 310,000 3,100,000
7
Truck
31,000
62,000
310,000 3,100,000 310,000 3,100,000
8
Work Machinery
31,000
62,000
310,000 3,100,000 310,000 3,100,000
9
Farm Tractor
31,000
62,000
310,000 1,550,000 310,000 1,550,000
10
Trailer (1)
31,000
62,000
310,000 3,100,000 310,000 3,100,000
11
Motorcycle and Cargo Motorcycle
31,000
62,000
310,000
930,000
310,000
930,000
12
Tanker Truck
31,000
62,000
310,000 3,100,000 310,000 3,100,000
13
Towing Truck
31,000
62,000
310,000 3,100,000 310,000 3,100,000
14
Special Purpose Vehicle (2)
31,000
62,000
310,000 1,550,000 310,000 1,550,000
15
Agricultural Motor Vehicles (3)
31,000
62,000
310.00 1,550,000 310,000 1,550,000
* Insurance coverage is increased based on the vehicle's transport capacity (number of seats+straphangers) according
to the principles set by the Undersecretariat on the condition that they are written on the vehicle licenses.
_______________
1) Trailers used for human transportation. Trailers not used for human transportation are included in the insurance of
the motor vehicles towing them.
2) Motor vehicles manufactured for special purposes, for human transport and for carrying goods, and motor vehicles
such as fire trucks, ambulances (SA), live broadcast and recording (radio, cinema, television), library, recreational
vehicles towing (SA), armored vehicles (SB), research vehicles, funeral vehicles (SD) and motor vehicles used for
special purposes such as towing, transporting or removing broken or damaged vehicles.
3) Other motorized agricultural vehicles are in this scope except farm tractors.
4) The amount of coverage for tangible assets other than the vehicle equals to the coverage amount per accident.
1
2
3
4
Chart 6
Minimum insurance coverage applicable as of
01/01/2016 for those carrying out professional activities in relation with motor vehicles
Coverage (TL)
A- Financial
Enterprise Owners
1- Those in charge of monitoring
(parking lots-garages)
2- Those in charge of repair and
maintenance services (repair
facilities-service stations)
3- Those dealing in buying and
selling transactions (showrooms)
B-Treatment Expenses
C - Injury and death
Per
Vehicle
Per
Accident
Per
Person
Per
Accident
Per
Person
Per Accident
31,000
62,000
310,000
1,550,000
310,000
1,550,000
31,000
62,000
310,000
1,550,000
310,000
1,550,000
31,000
62,000
310,000
1,550,000
310,000
1,550,000
Chart 7
Minimum Insurance Coverage
Applicable for Motor Vehicle Operators as of 01/01/2017
Coverage (TL)
B-Treatment
A-Financial(4)
Expenses
Vehicl
e
Vehicle Group
Group
Code
Automobile (9 seats including
1
driver)
2
Taxi
3
Van (10-17 seats including driver)
4
Bus (18-30 seats including driver)
Bus (31 or more seats including
5
driver)
6
Pick-up Truck
7
Truck
8
Work Machinery
9
Farm Tractor
10
Trailer (1)
11
Motorcycle and Cargo Motorcycle
12
Tanker Truck
13
Towing Truck
14
Special Purpose Vehicle(2)
15
Agricultural Motor Vehicles
C-Injury and Death
Per
Vehicle
Per
Accident
Per
Person
Per
Accident
Per
Person
Per
Accident
33,000
33,000
33,000
33,000
66,000
66,000
66,000
66,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
33,000
33,000
33,000
33,000
33,000
33,000
33,000
33,000
33,000
33,000
33,000
66,000
66,000
66,000
66,000
66,000
66,000
66,000
66,000
66,000
66,000
66,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
1,650,000
1,650,000
3,300,000
5,940,000
10,230,00
0
3,300,000
3,300,000
3,300,000
1,650,000
3,300,000
990,000
3,300,000
3,300,000
1,650,000
1,650,000
1,650,000
1,650,000
3,300,000
5,940,000
10,230,00
0
3,300,000
3,300,000
3,300,000
1,650,000
3,300,000
990,000
3,300,000
3,300,000
1,650,000
1,650,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
330,000
* Insurance coverage is increased based on the vehicle's transport capacity (number of seats+straphangers) according to
the principles set by the Undersecretariat on the condition that they are written on the vehicle licenses.
1) Trailers used for human transportation. Trailers not used for human transportation are included in the insurance of the
motor vehicles towing them.
2) Motor vehicles manufactured for special purposes, for human transport and for carrying goods, and motor vehicles
such as fire trucks, ambulances (SA), live broadcast and recording (radio, cinema, television), library, recreational
vehicles towing (SA), armored vehicles (SB), research vehicles, funeral vehicles (SD) and motor vehicles used for
special purposes such as towing, transporting or removing broken or damaged vehicles.
3) Other motorized agricultural vehicles are in this scope except farm tractors.
4) The amount of coverage for tangible assets other than the vehicle equals to the coverage amount per accident.
Chart 8
Minimum insurance coverage applicable as of
01/01/2017 for those carrying out professional activities in relation with motor vehicles
Coverage (TL)
Enterprise Owners
1- Those in charge of
monitoring (parking lotsgarages)
2- Those in charge of repair
and maintenance services
(repair facilities-service
stations)
3- Those dealing in buying
and selling transactions
(showrooms)
A-Financial
B-Treatment Expenses
C-Injury and death
Per
Vehicle
Per
Accident
Per
Person
Per Accident
Per
Person
Per
Accident
33,000
66,000
330,000
1,650,000
330,000
1,650,000
33,000
66,000
330,000
1,650,000
330,000
1,650,000
33,000
66,000
330,000
1,650,000
330,000
1,650,000
Chart 9
Minimum Insurance Coverage
Applicable for Motor Vehicle Operators as of 01/01/2018
Coverage (TL)
B-Treatment
A-Financial(4)
Expenses
Vehicle Vehicle Group
Group
Code
Automobile (9 seats including
1
driver)
2
Taxi
3
Van (10-17 seats including driver)
4
Bus (18-30 seats including driver)
Bus (31 or more seats including
5
driver)
6
Pick-up Truck
7
Truck
8
Work Machinery
9
Farm Tractor
10
Trailer (1)
11
Motorcycle and Cargo Motorcycle
12
Tanker Truck
13
Towing Truck
14
Special Purpose Vehicle (2)
15
Agricultural Motor Vehicles (3)
C-Injury and Death
Per
Vehicle
Per
Accident
Per
Person
Per
Accident
Per
Person
Per
Accident
36,000
36,000
36,000
36,000
72,000
72,000
72,000
72,000
360,000
360,000
360,000
360,000
1,800,000
1,800,000
3,600,000
6,480,000
360,000
360,000
360,000
360,000
1,800,000
1,800,000
3,600,000
6,480,000
36,000
36,000
36,000
36,000
36,000
36,000
36,000
36,000
36,000
36,000
36,000
72,000
72,000
72,000
72,000
72,000
72,000
72,000
72,000
72,000
72,000
72,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
11,160,000
3,600,000
3,600,000
3,600,000
1,800,000
3,600,000
1,080,000
3,600,000
3,600,000
1,800,000
1,800,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
11,160,000
3,600,000
3,600,000
3,600,000
1,800,000
3,600,000
1,080,000
3,600,000
3,600,000
1,800,000
1,800,000
* Insurance coverage is increased based on the vehicle's transport capacity (number of seats+straphangers) according to
the principles set by the Undersecretariat on the condition that they are written on the vehicle licenses.
1) Trailers used for human transportation. Trailers not used for human transportation are included in the insurance of the
motor vehicles towing them.
2) Motor vehicles manufactured for special purposes, for human transport and for carrying goods, and motor vehicles
such as fire trucks, ambulances (SA), live broadcast and recording (radio, cinema, television), library, recreational
vehicles towing (SA), armored vehicles (SB), research vehicles, funeral vehicles (SD) and motor vehicles used for
special purposes such as towing, transporting or removing broken or damaged vehicles.
3) Other motorized agricultural vehicles are in this scope except farm tractors.
4) The amount of coverage for tangible assets other than the vehicle equals to the coverage amount per accident.
Chart 10
Minimum insurance coverage applicable as of
01/01/2018 for those carrying out professional activities in relation with motor vehicles
Coverage (TL)
Enterprise Owners
1- Those in charge of monitoring
(parking lots-garages)
2- Those in charge of repair and
maintenance services (repair
facilities-service stations)
3- Those dealing in buying and
selling transactions (showrooms)
A-Financial
B-Treatment
Expenses
Per
Per
Person
Accident
C- Injury and death
Per
Per
Person
Accident
Per Vehicle
Per
Accident
36,000
72,000
360,000
1,800,000
360,000
1,800,000
36,000
72,000
360,000
1,800,000
360,000
1,800,000
36,000
72,000
360,000
1,800,000
360,000
1,800,000