Compulsory Traffic Insurance Scope
Compulsory traffic insurance coverages
Traffic insurance, It is a valuable assurance within the scope of compulsory insurance.. In order to make the most of this assurance, you need to know the compulsory traffic insurance coverages.. In compulsory traffic insurance, coverage is the same for each vehicle, but coverage limits vary depending on vehicle types.. The guarantees provided in compulsory traffic insurance are as follows:;
• Death and treatment per capita: In case of damage, it covers the death and treatment expenses to be paid for each third party, within the limits stated in the policy..
• Death and treatment per accident: In case of damage, it covers the total of death and treatment expenses of all third parties, up to the limits stated in the policy..
• Material damage per vehicle and accident: In case of damage, it covers the material damages caused to the other party within the limits stated in the policy..
No-claim discount and increased premium application
The steps and rates of no-claim discount and increased premium application in traffic policies are determined by general conditions.. According to these general conditions, No-claim discount and increased premium application is applied equally to the policies of all insurance companies..
People who did not have a vehicle before, after selling their vehicles with newly purchased new or second-hand vehicles 730 No-claim discount will be applied to those who do not purchase a vehicle during the day.. If the vehicle is undamaged, the premium rate is reduced by one step for each policy year that the traffic insurance remains in force.. Thus, the premium discount rate increases and the policy becomes cheaper..
If compensation has been paid in case of damage, the premium rate for each damage is increased by one step when renewing traffic insurance..
Premium discounts or increased premiums are applied according to the license holder whose name is written on the policy..
If the vehicle's license owner changes during the policy period, starting from the date of change 10 (on) The policy will automatically terminate after 1 day.. Insurance coverage, It is valid until the date of termination, without the need for any action for the new license holder.. The insurance company determines the premium to which the vehicle is entitled until the date the license holder changes, on a daily basis, and returns the excess to the insured..
The license holder who is entitled to a no-claim discount transfers the vehicle to someone else and starts from the termination date of the insurance contract terminated due to the transfer. 2 (until) year (730 day) of another vehicle of the same usage style. permit If the owner requests new insurance, the right to discount continues.. For this operator 2 (until) annual (730 day) In the policy to be made after the period is exceeded, the non-discount level applied to vehicle operators who are in traffic for the first time will be taken as basis..
If a person in the same situation transfers the vehicle to someone else and requests a new insurance as the license holder of another vehicle of a different vehicle type, A non-discounted level premium will be applied to the insurance contract to be issued for this person, just like a vehicle owner who is in traffic for the first time..
License holder who needs to have a premium increase due to damage, If he transfers the vehicle to someone else and requests a new insurance for any type of vehicle as the operator of the vehicle he bought again, the premium increase step will continue from where it left off, regardless of the period..
Short term traffic insurance, It can only be issued for temporary license plates and vehicles with foreign license plates engaged in international passenger and goods transportation.. Short-term policies cannot be issued for vehicles other than these vehicle types..