3.3.1.1 of the General Conditions of Motor Car Insurance. As per the article, the vehicle subject to the policy is covered up to its market value as of the date of damage. In determining the fair value, the model year of the vehicle, damage history, whether the vehicle has been converted from a rental or taxi use to a private car as of the date of damage, and the mileage information are taken into account. Furthermore, Allianz Sigorta A.Ş. will be determined by Allianz Sigorta A.Ş. At least 3 offers received from the expert market (authorized dealers, second-hand car dealers, galleries, etc.) and internet sites assigned by the company for damage assessment are subject to its final report. Market fair value, Allianz Sigorta A.Ş. It is determined by calculating the average of the amounts subject to the final loss adjuster's report and the results of the work done by Allianz Sigorta A.Ş. The current price is determined by considering the standard equipment and/or equipment of the vehicle at the factory, unless otherwise stated in the policy. In cases where no equivalent or equivalent of the vehicle can be found and/or the average value cannot be calculated, the current value published on the website of the Insurance Association of Turkey as of the date of damage will be taken into account. Upon the declaration of the insured or the policyholder, the above-mentioned process will be followed in determining the market fair value at the time of damage of the equipment and accessories that are out of the standard of the vehicle, which are added at the factory or added later, and this value is in any case 10% more than the price stated on the policy. is limited.

After the certificate of inheritance is received, an application is made to the insurance company for partial cancellation of the policy.

If the vehicle is stolen, there is a legal waiting period of 30 days.

Continuation of no claim discount in motor insurance policies; whether the previous vehicle was sold, the date of sale, the time between the newly issued policy and the previous policy, etc. It is evaluated depending on the rules, depending on the special conditions of the insurance company.

The effect of alcohol on the accident is investigated, and if it is above the legal limit, no compensation is paid from the motor insurance file.

While the insured benefits from many services free of charge in contracted services, he pays all costs himself in non-contracted services. In contracted services, operations such as calling experts and tracking the file are carried out by the service. The person who has the motor own damage insurance does not need to make any payment for these services; After the vehicle is repaired, it will be sufficient to sign the delivery form by the insured. In non-contracted services, all costs are covered by the insurer. Then, after the relevant invoices and documents are delivered to the insurance company, compensation is paid to the insured. Moreover, a 25% exemption is applied over the damage cost at the Uncontracted Brand authorized services.

Damages to the vehicle during the towing of the vehicle following a damage are covered by the coverage.

The licensee and his agent can sign.

The previous insurance policy and damage information of the insured, and the step and damage information in the traffic policy are taken into consideration in determining the offer premium.

The no-claims discount right is retained for 6 months (at the same level) after the policy expires if there is no damage. No claim discount is reduced by 2 levels in case of no damage between 6 months and 1 year after the policy expires, and 4 levels in case of a damage. If the no-insurance period is more than 1 year, the no-claim discount will be reduced by 4 steps in case of no damage. If an insured with a 65% no-claims discount does not take out insurance for one year, the no-claims discount will be 30% in the insurance of his new vehicle, in case there is no damage. If the policy is partially canceled after 9 months and is undamaged; in the new policy, the no-claim level is raised to the next level. If the partial cancellation is made in less than 9 months and is undamaged, the no-claim discount rate of the canceled policy is used in the next policy. In case of damage to the previous policy, the current no-claim discount rules apply to the new policy.

Damage payments in motor insurance policies are made in the form of payment of the current value of the vehicle at the time of damage. In this way, the vehicle price is protected against inflation. How the current value is determined is included in the policy explanations.

In individual policies, the coverage becomes active when the vehicle carrying passengers for commercial purposes has to stay in the repair shop for at least 4 days after an accident. Payment begins on the fifth day. It is limited to a total of 1,000-TL for a maximum damage of 100 TL per day. In Private Auto and Special Pickup Truck usage styles, only the Gold package can be covered for the same price.

It is the discount rate that acts according to the company's special conditions to be used by the insured in the renewal policy at the end of the 1-year policy without any damage. Cases that do not invalidate the no-claims discount: - In case the insured vehicle driver is found to be faultless according to the traffic accident report and it is clear that the faulty party to which the insurer can claim 100% recourse is clear,
- In case of 1 Radio/Tape damage during the policy period,
- In case of 1 glass breakage during the policy period, the discount right moves to the next level in the policy renewal.
Except as noted above, the invulnerability rank is lowered for each valid damage. Provided that the No Claim Protection Coverage has been taken in the current policy, for +1 other damage incurred, except for the cases that do not invalidate the no-claims discount, the no-claims right in the renewal period is preserved, and the discount level in the current policy is applied exactly.

After the accident, within 5 working days to prepare a report by the authorized official units in case of unilateral accidents or to write a detailed statement regarding the occurrence of the incident in case the report cannot be prepared, to prepare an accident report in case of bilateral accidents and to determine the damage of the vehicle with the driver's license, license and policy documents attached. It should be left to the service and a damage report should be made.

An accident report is a report prepared by the parties by agreement, without the need for the insurance company or the police, as a result of the involvement of at least two vehicles in an accident with only material damage. The only document that insurance companies can see and evaluate how the accident happened, the location of the vehicles during the accident and the error rate of the driver of the vehicle is the accident report. With this document, which must be signed by the drivers of all the vehicles involved in the accident, insurance companies determine the location of the accident, the date, the type of accident, the vehicles involved in the accident, their drivers, the road where the accident occurred, the environmental characteristics and the defect distribution rates of the vehicle drivers. In addition, the photographs taken by the drivers at the time of the accident, before the vehicles are moved, are extremely important for insurance companies.

If the damage amount determined by the appraiser reaches 35% of the insurance cost (the rate changes for branded motor insurance), the tender process begins by preparing a preliminary report. With the end of the tender process, the decision of pert or repair is made according to the salvage value obtained. In case the vehicle is pert, the process of reconciliation with the insured is started, and after the numerical agreement is reached, the sales documents are provided and the vehicle is withdrawn from traffic and sales transactions are made. Payment is made to the account of our insured after the receipt of the towing document and the notary sales contract received from the traffic.

The exemption rate is the insured's participation in the damage at the rates specified in the policy. A policy with 2% or 4% exemption over the vehicle price can be issued for all Auto and All Branded motor insurance products. Discounts related to the selected exemption rate are applied to the premiums of the exempt policies.

Damages caused by public movements and earthquakes are covered. If requested, the exemption from the earthquake coverage (5%) can be removed or the coverage can not be taken at all.

It refers to an impartial and independent person who determines the amount, causes and characteristics of losses and damages resulting from the realization of the risks subject to insurance and who performs tasks such as agreed valuation, preliminary appraisal and damage surveillance as a customary profession.

All persons to be determined by the insured can leave the damaged vehicle at the service.

Equipment and accessories (non-standard accessories) that are out of the standard of the insured vehicle and added at the factory or later (non-standard accessories) are covered, subject to the declaration of the insured or the insured, provided that the price is stated on the policy.

The liability of the insurer begins with the payment of the down payment pursuant to Article 1421 of the TCC. The down payment and installment terms specified in the policy are definite terms, and in case of non-payment, the Insurant will be in default pursuant to Article 1431 of the TCC and the Insurance Contract will be terminated in accordance with Article 1434 of the TCC without any notice. Damage compensation cannot be made in case of non-compliance with payment plans.

In the case of partial damage only for vehicles aged 16 and over, a 30% Appreciation deduction is applied for mechanical, engine and body parts in the use cases other than Private Automobiles.

You can track your damage file here

Insurance policy guarantees are valid within the borders of Türkiye. Strike-Lockout-Public Movements-Terror, Assistance and Mini repair guarantees are not valid abroad, even if a foreign guarantee has been received.

The use of the vehicle as a rental is not covered by the coverage. The case of use for business purposes should be clearly stated at the request stage. For example, owning a motorcycle and working as a courier is not covered by the coverage.

Sıfır araçlarda plaka henüz çıkmamış ise YK plaka girilerek poliçe düzenlenebilir.

Since the insured is the person who has concluded a contract with the insurance company, this person must have the capacity to use civil rights (ability to act). The vehicle owner (licensee) must be insured.

Glasses, lighters, bags, etc. treated as personal property. Checks, promissory notes, cash, jewellery, notebook/laptop, mobile phone etc. electronic goods and commercial goods are excluded from the scope of this guarantee.

After the legal waiting period of 30 days has expired as of the date the vehicle was stolen, if there is no case out of warranty, documents regarding the theft of the vehicle are requested. After the documents are delivered to us in full, the market value is researched and the vehicle price is paid as soon as possible after an agreement is reached with the vehicle owner.

Motor insurance is an optional insurance that covers the damages to the insured vehicle, while Traffic is a compulsory insurance that covers the material and bodily damages of third parties.