Products

Car Insurance

Unless we experience any damage, the motor insurance will remain unknown by us. The individuals and the enterprises will lead off claiming their rights as of the moment they are aggrieved. The most important point in respect of a motor insurance policy is the fact that the vehicle has been covered and assured by a good and decent insurer and an insurance agent, rather than the price advantage offered.

Motor insurance policy secures and covers any material damages, which the insured and/or any motor-driven or non-motor driven vehicles, capable of being used on a highway, may suffer. In brief, motor insurance policy enables the vehicle owner to secure her/his vehicle through an insurer, for any possible damage and loss to and of her/his vehicle, which may arise on any highway.

Motor insurance is an optional insurance type covering any damage and loss which may arise in consequence of lighting up, theft, attempted theft, or any accident of the vehicle. In addition to such coverage, some additional coverage is also offered by the policy.

Your motor insurance policy will be valid and in effect within the borders of Turkey, as a standard. However, we are able to provide you with coverage also for the outland, through the insurers, of which we act as an agent, upon your request.

Date of Inception and Expiry of the Policy; the coverage provided by a motor insurance policy will commence as of the time of payment of the advance payment for the policy. Unless otherwise is stated; the date of inception and the date of expiry of a motor insurance policy will commence as of 12:00 and expire on 12:00 on the days specified on such policy.

Method for Calculation of the Premiums ? The insurers determine the motor insurance premiums for the vehicles basing on their own statistical data, in accordance with the list of values specified for motor insurance drawn up by the Association of the Insurance and Reinsurance Companies of Turkey. In addition to that, any accessories available on the vehicle should be specified on the policy. If any such accessories are not specified on the policy, such accessories will be non-covered in case of any damage and/or loss which may arise.

Any legal liabilities, which may be incumbent on the lawyer due to any transactions and/or proceedings or evasion by any staff members serving for such lawyer under a service contract, or to whom a power of attorney or a certificate of authority has been delegated, are included to the coverage.

If the insurer prefers to wait until a finalized court order as per the subject matter of the claim, it shall be liable for the entire of the amount to be adjudged (even if such amount exceeds the limit specified on the policy). Our policy includes personal accident coverage. A no-claims discount shall be applicable for any renewals for the initial three years.

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Traffic Insurance

Compulsory Traffic Insurance is an insurance policy, which is set out under the Highway Traffic Law, and which is required to be maintained by any vehicle involved in traffic. Compulsory Traffic Insurance covers any material damage and body injury, caused by any such insured vehicles at any accidents to which they are involved, to the counter party that means the third parties, in proportion to the fault of such vehicle, within the limits specified on the policy. The fact that the Compulsory Traffic Insurance covers not the damage and/or loss of the insured vehicle, but that of any third parties damaged by such vehicle, remains as the point to be taken into account and which is a substantial matter of confusion.

It is compulsory to have the Compulsory Traffic Insurance maintained for any vehicle in our country. Any vehicles, for which no traffic insurance is maintained, shall be withdrawn from traffic.

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Health Insurance

Health insurance polices are of private nature, drawn up not only for covering your medical expenses, which may arise due to any sudden and unexpected accident or illness, but also for enabling you to satisfy any and all kinds of diagnosis and medical treatment operations, which you may need, at the most privileged medical institutions by means of the cutting-edge methods, and without being concerned about any financial burdens. Your medical expenses will be covered in line with the limits specified on the policy and in accordance with the general and the special terms and conditions.
br> Health Insurance Policies offer not only your medical expenses for birth and the newborn care services, but also some other medical services such as the immediate aid and assistance, PSA and mammography.

Secure your health by choosing the most appropriate health insurance to you or your family among our vast product range including unique and specific coverage and benefits. On top of that, for premium options at budget-friendly rates.

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Dwelling Insurance

Dwelling insurance is one of the most important insurance types securing our houses that are the places where we live. Dwelling insurance will protect your house and belongings against the risks such as fire, burglary / theft, terrorism, internal water, flood, deluge and earthquake.

Dwelling insurances, by which you can secure your house and belongings by paying premiums at significantly affordable rates, are maintained in the form of policies issued on yearly basis. Also, you will enjoy the no-claims discount for the renewals of the dwelling insurance policies, just as you do in respect of the motor insurance policies.

If we are to give an example for the most frequently suffered damage in respect of the dwelling insurance claims; let's suppose that a drainpipe/water pipe at the upstairs has burst, and all the walls, parquets of your house, and all your belongings are damaged due to such water. Dwelling insurance will pay for such kind of claims at the best conditions. The damage by water given as example as above is a minor one when compared with the damage which may occur at our houses. Dwelling insurance policies will provide protection and coverage also for the below listed damages in addition to any damage caused by internal water.

The damage by water given as example as above is a minor one when compared with the damage which may occur at our houses. Dwelling insurance policies will provide protection and coverage also for the below listed damages in addition to any damage caused by internal water.

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Workplace Insurance

By benefiting from the Workplace - Fire insurance policies, you can secure your assets such as the building in which your enterprise is located, and any fixtures, machinery-installation, commodities and glass, against any risks with the below listed coverage. In addition to the primary coverage, you may choose any of the supplementary coverage listed below, as you wish, and may extend the coverage thereby; and may create the most appropriate alternative in respect of your needs. Purchasing of all such coverage is of importance with regards to ensuring that the enterprise holds a secure and comprehensive policy.

Primary Coverage:

  • Fire, Lightning, Explosion
  • Internal Water
  • Storm
  • Crash By Land Vehicles
  • Crash By Aircrafts
  • Landslide
  • Smoke
  • Strike, Lock-out, Riot, Civil Commotions
  • Malicious Actions, Terrorism
  • Loss of Rent
  • Costs for the Alternate Workplace
  • Cease/Interruption of Work/Business
  • Transfer to the Temporary Address

Supplemental Coverage:

  • Earthquake
  • Flood or Deluge
  • Crash by Vessels
  • Snow Weight
  • Tenant/Owner Liability
  • Neighborhood Liability
  • Costs of Debris Removal
  • Burglary / Theft (Machinery, Installation, Fixtures and Commodities)
  • Burglary / Theft of Cash Monies and Negotiable Instruments
  • Transported Monies
  • Abuse of Trust
  • Machinery Breakdown
  • Electronic Devices and Equipment
  • Personal Belongings of the Staff Members
  • Glass Breakage

In addition to the primary coverage, you may choose any of the supplementary coverage listed below, as you wish, and may extend the coverage thereby; and may create the most appropriate alternative in respect of your needs. Purchasing of all such coverage is of importance with regards to ensuring that the enterprise holds a secure and comprehensive policy.

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PROFESSIONAL LIABILITY INSURANCE FOR CERTIFIED PUBLIC ACCOUNTANTS AND INDEPEDENT PROFESSIONAL ACCOUNTANTS

By virtue of this insurance, the Insurer provides coverage for any claims, which may be raised against the Insured by any third persons for any imperfectly performed professional services rendered by the Insured, or for failing to perform any such services as is due.

This insurance provides coverage for any and all risks arising from your professional services rendered prior to a period of two years as of the time of inception of the policy. The professional services will be covered for a period of five years prospectively as of the date of expiry of the period of the insurance.

Such policy will also cover the legal heirs. The insured may effectuate the policy by submitting a declaration to the insurer as of the time of receipt of any finalized administrative decision - payment order - notice/dunning letter. Thereby, the insurer will provide a coverage so as to release any restriction which may be imposed on the assets of the insured.

This policy will cover any SSK (Social Security Institution) premiums, taxes, tax fines, late fee and default interest which the insured would pay as per the joint and several liability. A no-claims discount shall be applicable for each year, in respect of any renewals performed for the initial five years.

PROFESSIONAL LIABILITY INSURANCE FOR LAWYERS

By virtue of this insurance, the Insurer provides coverage for any claims, which may be raised against the Insured for any professional services being rendered by the Insured in the capacity of "Lawyer". Any and all risks arising from the professional services rendered prior to a period of 5 years as of the time of inception of the policy will be included in the coverage. The professional services will be covered for a period of 2 years prospectively as of the date of expiry of the period of the insurance.

PROFESSIONAL LIABILITY INSURANCE FOR INDEPENDENT AUDIT

By virtue of the said insurance, the Insurer provides coverage for any claims which may be raised against the Insured by any third persons due to the failure to perform the independent auditing service contrary to the provisions of the regulation in relation to any damage and/or loss, which may be caused by occurrence of any matters that may have an impact on the reliability of the financial statements at a material extent, in consequence of failure to perform the independent auditing service inappropriate to the standards thereto, and/or the imperfectly performance of the professional services being rendered by the Insured, and/or failing to perform any such services as is due, in accordance with the regulation on the independent auditing activities, and such other applicable legislation, as determined by the authority, to which the report will be delivered upon completion of the independent auditing activity by the Insured.

This insurance provides coverage for any and all risks arising from your professional services rendered prior to a period of five years as of the time of inception of the policy. The professional services will be covered for a period of five years prospectively as of the date of expiry of the period of the insurance.

The insured may effectuate the policy by submitting a declaration to the insurer as of the time of receipt of any finalized administrative decision - payment order - notice/dunning letter. Thereby, the insurer will provide a coverage so as to release any restriction which may be imposed on the assets of the insured.

PROFESSIONAL LIABILITY INSURANCE FOR REAL ESTATE APPRAISEMENT/VALUATION

By virtue of the said insurance; the Insurer provides coverage for any claims which may be raised against the Insured by any third persons due to any damage and/or loss which may arise from performance of an unfair appraisal, or failure to provide any information that may have an impact on the value, on the appraisal/valuation reports drawn up by the Insured in accordance with the relevant legislation.

Any and all risks arising from the professional services rendered prior to a period of 1 year as of the time of inception of the policy will be included in the coverage. The professional services will be covered for a period of 3 years prospectively as of the date of expiry of the period of the insurance.

PERSONAL ACCIDENT INSURANCE

Personal Accident Insurance is an insurance type which will be effectuated to perform any payments for claims only upon occurrence of a sudden and unexpected accident.

Personal Accident Insurance provides coverage against any claims for decease, permanent disability, medical treatment costs and daily benefits/indemnities which may arise from an accident.

At the time of issuance of the policy, any coverage for earthquakes, skiing, underwater sports and riding motorbikes may also be included to the policy.

TRAVEL INSURANCE

Travel Insurance policy is a policy intended for providing protection against the risks such as accident, etc. which the persons may incur during their travels. The Insurer will provide coverage against any damage and/or loss, which may be suffered by the persons specified on the policy, arising from a sudden and unexpected accident which may occur during the period of the insurance policy.

It will be beneficial to have such a policy issued and maintained, before taking a trip abroad, at the said insurance type which is generally prescribed to be of mandatory nature in general by the European countries. The limit of coverage provided by such polices is EUR 30.000.-, unless any change is requested for any specific purposes.

Paying attention to the date of departure and the date of return is of importance while purchasing a travel insurance policy. That is because of the fact that the consulates may stir up some problems about such dates, at the time of obtaining a visa.