Compulsory Liability

Traffic (Highways Motor Vehicles Compulsory Financial Liability) Insurance is a type of insurance that motor vehicle owners are obliged to have in Turkiye. This insurance policy, also known as compulsory automobile liability insurance (CALI), covers the material damage caused to the other party in accidents caused by vehicles in traffic.

Cylinder gas compulsory liability insurance is a type of compulsory insurance that aims to cover material Losses to counterparties in possible accidents caused by cylinder gas distribution vehicles belonging to gas distribution companies in our country.

Compulsory personal accident insurance for mine workers is a policy that protects workers working in the mining sector in our country against work accidents and occupational diseases. This insurance, which aims to cover material damage like other compulsory insurance policies, protects the safety of mining companies and mine workers.

This insurance type covers the Losses that may occur during the production, storage, transportation, sale and use of all kinds of flammable, flammable and caustic substances owned by your company, as well as the material and physical Losses suffered by third parties, regardless of the condition of fault, in the events that may occur during the neutralization of hazardous wastes.

In case of pollution in Turkiye's internal waters or territorial waters as a result of an incident in companies with coastal facilities; It is the insurance that covers the costs of cleaning and disposing of pollution, Losses resulting from injury and death of third parties, and damage to private property. This insurance covers sudden and unexpected pollution. Pollution that occurs over time is not covered by this insurance.

While Physicians, Dentists and specialists in medicine are performing their professional activities in accordance with the legislation on specialization in medicine,
Compulsory Liability Insurance for Medical Malpractice provides assurance, within the limits specified in the policy, against compensation claims made to them due to professional error within the contract period, starting from the 10-year period before the contract date, and against the legal costs in this process and the reasonable expenses related to the compensation claim in case of a compensation decision.

Compulsory seat personal accident insurance for highways passenger transportation, which is mandatory for companies operating on domestic and international lines in passenger transportation, secures the driver, other employees and passengers from the beginning to the end of the journey. Waiting situations that occur due to a break or other reason are also within the scope of the insurance policy.

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Marine vehicle compulsory liability insurance covers material Losses arising from accidents that may occur during navigation of marine vehicles or in ports. This type of insurance, which protects the owners of marine vessels from financial risks and is among the compulsory insurance policies, makes a significant contribution to the protection of mariners and the marine environment.

Compulsory certificate liability insurance is among the types of compulsory insurance that aims to cover financial losses arising from these certificates, in addition to the obligation of people operating in various professions to have legally specified certificates.

Compulsory package tour insurance, which is among the types of compulsory insurance, covers the financial losses arising from the services offered by companies operating in the tourism sector to their customers during trips.

Compulsory earthquake insurance (CEI), which is a type of insurance that homeowners in Turkiye are legally obliged to make, secures the material Losses that occur during earthquakes, which are among the natural disasters frequently experienced in our country.

CEI Coverage

It is mandatory for buildings to be insured against Losses resulting from earthquakes with CEI earthquake insurance. With CEI insurance, full or partial damage to buildings damaged after an earthquake is covered. The parts of the buildings covered by CEI compulsory earthquake insurance coverage are as follows;

Foundations and main walls of buildings
Common walls separating garden, retaining and independent sections
Ceilings and floor sections in the building
Elevators in the building
Corridors and landings
Roof and chimneys
Other similar complementary sections in the building.

Situations that are excluded from CEI insurance coverage are as follows:

Expenses related to debris removal
Loss of profit rates and rent deprivation situations
Losses resulting from business interruption
Alternative residence and workplace expenses
Damage to buildings due to their own faults other than earthquakes
Losses that occur in the building other than disasters such as earthquake, fire, explosion, landslide or tsunami
In case of all bodily harm and death
Losses and Losses arising from non-pecuniary damage claims are outside the scope of CEI coverage.

CEI Insurance Prices

CEI insurance prices are not applied differently depending on insurance companies. In compulsory earthquake insurance, insurance amounts for residences must be made in accordance with the 'Compulsory Earthquake Insurance Tariff and Instruction'. The price applied does not exceed the maximum guarantee amount specified in the instruction. While determining the CEI insurance amount;
The square meter cost of the residence to be insured, specified in the compulsory earthquake insurance tariff
The result found by multiplying the gross surface area of the dwelling to be insured forms the basis of the CEI insurance price.
If the value of the house exceeds the maximum guarantee amount, optional additional guarantee can be obtained for the excess part. The insured person can optionally obtain additional coverage insurance for his residence. In order to get additional coverage insurance, it is necessary to have home insurance