FREQUENTLY ASKED

QUESTIONS

ACCIDENT
It doesn’t. Insured’s own car’s damages are not included within the scope of Traffic insurance policy. Traffic insurance policy covers the losses that occurred because of driving and indirect third persons’ physical and pecuniary injuries.
It doesn’t. Car insurance policy covers the losses of insured’s own car’s damages. However, In the case of third person’s losses are over the traffic insurance, then third persons may be paid within the limits of arbitrary pecuniary liability.
It doesn’t. Car insurance policy doesn’t change hands. Policy cancelled and unprocessed days’ premium is refund to insured within the scope of daily principal. A new owner of the car can insure it if he wishes.
In the case of losses occurred in your house, workplace or car, it is possible to receive aid with dialing ... customer services. You can also report or get information on process for later.
Assistant assurance is upon the demand of customers and can be added into assurances in the policy. If you have “assistant” expression on your policy’s Sureties and Premiums part, that’s mean you already have the related assurance.
How can I take advantage of Rent a Car service that within the scope of coverage? You can apply for it into the nearest agent of us and made a policy. Also, you can receive our agents’ contact information from our web site or dial 0850 811 51 00.
You can apply for it into the nearest agent of us and made a policy. Also, you can receive our agents’ contact information from our web site or dial (0850) 811 51 00.
TRANSPORTATION
Commodity Transportation Insurances provides assurance against the possible risks during the transportation on land, seaway, air or railway.
Truck Clause: In the case of truck or lorry crash, clash with standing or moving thing, rollover, fire and as a result of some natural disasters (thunderbolt, flood, river flood, landslide, avalanche, bridge collapse and land subsidence) it provides assurance for transporting commodities damaged.

Railway clause covers losses and damages resulting from an exposure of danger like fire, lightning, flood, overflowing of streams, avalanche, landslide, mountain landslide, collapsing of roads, collapsing of lines or tunnels or other buildings of the railroad, crushes and hits between wagons, derailing, overturning, breaking of wagon's drag chain during transportation of goods via railway.
In Lorry Clauses, coverage begins with loading of lorry or trailer in order to be transported and ends with arrival of transport vehicle to the place stipulated in the policy.

During loading and unloading, hazards that the merchandise may be exposed can be included to the coverage only by paying an additional premium ( It should be stated in the policy special terms whether the policy covers hazards of loading and unloading).

In railway clause, coverage begins with delivering goods to railway authorities to be shipped or if the shipment will not be delivered immediately, in accordance with trade customs, delivering goods to authorities to be preserved. It ends with delivery to the receiver in the arrival station, or if there is an impediment to delivery, selling of the commodities or storing accordingly.

If the insurance coverage does not end with these three situations, coverage ends in 60 days following arrival. In this case, loading and unloading risk can only be provided with an additional premium.
Yes, it does. Also, it is not necessary to pay an additional premium for that.
Insurance coverage is valid in shipments carrying goods in lakes or seas in accordance with Narrow Warrant(C) Clause or (F.P.A.) Terms about shipment of merchandise via seaway.
No. Only lorry or railway clauses can be given to these kinds transportation; it cannot be insured with a broader coverage. Extensive warrant can only be given to heavy and balloon freights ( for example; construction equipment, power distribution unit, station equipment, etc.) transported with flatbed lorry.
Coverage stipulated in accordance with the Narrow Coverage (C) Clause and Extensive Coverage (A) Clause begins with leaving of the goods from the store stated in the policy, continues as the goods are delivered to the final arrival store stated in the policy. But the international sellings are also related to the beginning of the coverage. For example if the salesman sells his goods as FOB, the salesman is responsible until the delivery to the shipdock. Therefore, coverage begins in the shipdock. But the shipment should be done in 60 days following the unloading of the goods. In import and export, following the unloading of the goods from the ship, (C) Clause is only in the coverage of fire risks in the customs area; in cases when extensive coverage is given, all warrants that are taken with extensive coverage and waiting in the store are valid. In addition, insured can extend the time with additional premium and informing before.
On contrary, if there is no agreement, insurer arranges the premium assuming the commodities are under the dock, in other words, shipping in warehouses. For that reason, in the case of shipping merchandise in the dock, insurer’s responsibility is restricted with (C) Clause even if all the risks are included in the warrant. But in case of before informing and with additional premium, goods shipping in dock can be given extensive warrant.
In general insurance practice, additional premium is to be paid in transferring and collateral delivery (beginning and ending deliveries) and it is showed in the policy that it is included in the scope of the coverage.
In cases that bulks are insured with narrow warrant (lorry clause and railway clause), damages that may happen during loading, transferring and unloading are excluded from the scope of the coverage.

In fact, in insurances made with extensive warrant, the damages that may happen during loading, transferring and unloading are included in the scope of the coverage. However, the risks of loading and unloading of merchandise that are in the characteristics of bulks are proportionally more probable and habitual. For that reason, it is given Bulk Oil Warrant to these kinds of merchandise aiming that excluding deficiencies regardless of the risks included in the scope of the insurance that may happen during loading and unloading. Or when a extensive warrant (A) Clause warrant is given, an exemption can be made in accordance with the type of the goods carried.
It is an agreement that all of the shipments of the insured should be undertaken by the company with which the agreement is made. In this agreements, subject of the business, terms of insurance, prices, responsibilities of the insurer and insured are stated.

During the agreement;

- At least 5 shipments should be insured,

- At least a certain premium must undertaken to be paid.

In cases that these terms are not met regardless that subscription agreement is made, no transactions cannot be done. These situations are taken into consideration only in agreement renewals. As a consequence, multicipility discount can be made in accordance with the amount of shipment. Insured has to inform and insure every single shipment; shipment that is not informed with subscription agreement is not covered with insurance.
In cases like it is necessary to insure a good that is to be shipped without an exactness of the loading date and shipment vehicle information and in need of insurance particularly when the banks accredit, a provisional policy is made with existing information. It is called "floating policy". With the shipment and certain information, absolute insurance policy (addendum) is made.
Tax assessment is not carried out in policies within the scope of inward processing authorization certificate and incentive certificate for activities of foreign exchange earnings. Only investment incentive transactions are in the scope of taxation.

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