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What is HT Vehicle Insurance?

We are with you in every need with our HT expert insurance consultants. Vehicle insurance is an assurance policy prepared to cover possible material damages and injuries that your vehicle or third parties may encounter.

HT Mandatory Traffic Insurance

Definition: It is a type of insurance that every vehicle owner is legally required to have. Its purpose is to cover the damages that vehicle owners may cause to third parties as a result of an accident.

Scope: This insurance only covers material and bodily damages caused to third parties. It does not cover damage to the vehicle itself or bodily harm to the driver.

Reason for Obligation: It has been made mandatory by the state in order to cover the high costs that may arise from traffic accidents. Vehicles that do not have this policy cannot go to traffic.

HT Motor Insurance

Definition: It is a type of insurance that is taken out upon the request of the vehicle owner and provides protection against risks such as accidents, theft and fire that may occur to the vehicle.

Scope: It covers risks such as theft of the vehicle, damage in fire, damage due to natural disasters, collision, tipping over and falling. With additional coverage, extra risks such as glass breakage and key loss can also be covered.

Freedom: Car insurance is not mandatory, but is recommended especially for new or high value vehicles.

HT Complementary Traffic Insurance

Definition: It is an additional type of insurance that aims to compensate damages that are not covered and remain within the coverage limits of compulsory traffic insurance.

Scope: It covers the part of the damages caused to third parties above the compulsory traffic insurance coverage. Some policies may also cover bodily harm to the driver.

Why it is necessary: Compulsory traffic insurance has a certain upper limit. It is designed to provide additional protection for losses above this limit.

Why Should We Have HT Car Insurance?

Financial Protection: Accidents happen at unexpected moments. Insurance protects you against major costs.
Peace: Knowing that you can get financial support in any negative situations that may occur on the road will make you more peaceful.
Legal obligation: Compulsory traffic insurance is required by law. Therefore, not having this insurance may result in criminal penalties.

Frequently Asked Questions

How are vehicle insurance prices determined?

Vehicle Information: Insurance prices are determined by taking into account the vehicle's brand, model, age, engine power and cylinder volume. For example, a high-performance sports car may have higher insurance coverage than a family car of the same age.

User information: Demographic information such as age, gender, marital status, occupation and traffic history of the vehicle driver are among the factors affecting the insurance premium. The premium may be lower for an experienced driver who has not been in an accident.

Usage: Factors such as how many kilometers the vehicle is used on a daily basis, urban or extra-urban use also affect the insurance premium.

Deductive (Exemption) Amount: The deductive is the amount that the insurance company charges a portion of the damage to the driver. Choosing a high deductive factor may reduce the premium.

What kind of damages does car insurance cover?

Basic Scope: Damages caused by theft, fire, accidents, natural disasters (earthquake, flood, etc.).

Additional Guarantees: The policy can be expanded with extra coverage such as glass breakage, key loss, legal protection, and personal accident coverage.

Excluded Cases: Generally, race, acts of terrorism, state of war, nuclear risks and situations such as the driver being under the influence of alcohol or drugs are not covered by the insurance.

What damages does compulsory traffic insurance cover?

Material Damages: Material damages caused to the other party by the party at fault in the accident are covered by this insurance.

Physical Damages: Bodily damages, such as injury or death, caused by the faulty party in the accident to the other party are covered by this insurance.

Limits: This insurance has a certain limit of coverage. For damages above these limits, it may be necessary to purchase extra insurance (supplementary traffic insurance).

What additional coverage can my car insurance include?

Vehicle insurance can cover many additional coverages such as personal accident, legal protection, assistance services, broken glass, loss of keys and terrorism coverage.

What does car insurance do if the vehicle is stolen?

In case the vehicle is stolen, compensation is paid in accordance with the conditions specified in the policy and at the specified value.

In what cases can I not receive compensation from insurance after an accident?

Compensation cannot be claimed in cases where the driver is under the influence of alcohol, drugs or drugs, the vehicle is used by unauthorized persons, or in cases not covered by insurance (eg damages in races).

What is deductive (exemption)?

Deductive is a certain amount that the insurance company will not pay in case of damage. In other words, if the damage exceeds this amount, the excess part is paid by the insurance company.

In what cases will my insurance premium increase?

Your insurance premium; It can increase depending on many factors such as your age, gender, place of residence, make and model of the vehicle, your accident history and the coverage you choose.

Contact us!

Contact us to get insurance offers suitable for your vehicle or to ask any questions you may have!
+90 212 278 32 44
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