Car Insurance in Turkey: Trafik, Kasko and İMM
What the compulsory trafik sigortası pays, how kasko and İMM differ, how no-claims steps and the premium ceiling work, and how to check a car.
Table of Contents

Car insurance in Türkiye has one compulsory part, the trafik sigortası (traffic insurance, formally the zorunlu mali sorumluluk sigortası): it pays other people for the harm your car causes. Kasko covers your own car and İMM adds liability above the compulsory limits; both are voluntary. The state sets the limits each year, and a monthly table from SBM, the insurance information and monitoring centre, caps the premium.
In short · checked 29.10.2026
One policy is compulsory. The rest is voluntary and written on the policy.
- Trafik sigortası is compulsory for every operator. It pays other people’s losses, injury, death and property, up to the 2026 limits. Your own car is not in it (SEDDK, the insurance regulator).
- The 2026 limits for vehicles that carry people: 400,000 TL of property damage per vehicle and 3,600,000 TL per injured or dead person; 800,000 TL and 18,000,000 TL per accident (SEDDK, 01.01.–31.12.2026).
- Kasko and İMM are voluntary. What each one pays, the deductible and the market-value reference are written on the policy.
- The state caps the premium. SBM’s table for October 2026: an İstanbul car at step 0 has a ceiling of 59,087 TL, at step 8 of 9,848 TL. A ceiling is not a price.
- Without a compulsory policy: a fine of 1,246 TL (second amount 934.50 TL) and the car is taken off traffic until the cover is in place (2026 fine guide).
Tool · pages checked 29.10.2026
The policy sheet
The first page of a policy, drawn as eight boxes. Press a box, a number or a tab: what the box is, what the state’s page says and a Turkish question to ask. Add the questions you want to your list; the list is one Turkish message with the English beside each line.
- a state text states it
- depends on your own policy
- a limit or a fine
- a word explained
1ProductThe title strip
- What it is
- The first box names the policy. A compulsory policy is the trafik sigortası. A kasko policy carries one of four product names, set by what it includes: Dar Kasko (some of the five covered risks), Kasko (all five), Genişletilmiş Kasko (all five and some extras) and Tam Kasko (all five and all extras).
- What the rule says
- The product name has to be in the policy title, in letters at least 16 points high. Kasko general terms · in force 01.04.2013
- Depends on the policy
- Which extras sit inside a product beyond the five risks is written in that policy.
Ask in Turkish
Bu poliçenin ürün adı nedir ve nelere teminat veriyor?What is this policy’s product name and what does it cover?
2InsurerInsurer and agent
- What it is
- The insurer (sigorta şirketi) carries the risk. The agent (acente) sells and issues the policy. The box names the agency, its licence register number (levha kayıt no) and the staff member who issued the policy, with their own register number.
- What the rule says
- The policy template in the kasko general terms lists these under the contracting parties, with the staff member who issued the policy and their register number. Kasko general terms · policy template
Ask in Turkish
Poliçeyi hangi acente düzenledi, levha kayıt numarası nedir?Which agency issued the policy, and what is its licence register number?
3InsuredThe insured
- What it is
- In a compulsory policy the insured (sigortalı) is the işleten: the person the law counts as the operator of the car.
- What the rule says
- The no-claims discount or surcharge that follows a paid claim follows the operator, not the car. SBM FAQTSB FAQ
Ask in Turkish
Poliçede işleten olarak kim görünüyor?Who appears on the policy as the operator?
4VehicleThe vehicle
- What it is
- The plate (plaka), engine number, chassis number (şasi no), type and make, as on the registration paper (ruhsat).
- What the rule says
- Damage caused by a trailer or a towed vehicle is under the policy of the car that tows it. The premium rests on the vehicle group and the province where the car is registered. Compulsory general termsTSB FAQ
Ask in Turkish
Poliçedeki plaka, motor ve şasi numarası ruhsatımla aynı mı?Are the plate, engine and chassis numbers on the policy the same as on my registration?
5PeriodThe period
- What it is
- The dates the cover starts and ends, as written on the policy.
- What the rule says
- Unless agreed otherwise, cover starts at 12:00 noon Turkish time on the start date and ends at 12:00 noon on the end date. The cover is valid inside Türkiye. General terms of trafik, kasko and İMM
Ask in Turkish
Trafik sigortası poliçemin başlangıç ve bitiş tarihi nedir?What are the start and end dates of my compulsory policy?
6LimitsThe limits
- What it is
- A limit (teminat limiti) is the most the insurer pays. The limit in force on the accident date applies.
- 2026, vehicles that carry people
- Property damage 400,000 TL per vehicle and 800,000 TL per accident; injury or death 3,600,000 TL per person and 18,000,000 TL per accident. SEDDK · 01.01.–31.12.2026
- İMM
- İMM is a voluntary cover above the compulsory limits, up to the limit written on that policy.
Ask in Turkish
İMM limitim ne kadar?What is my İMM limit?
7PremiumPremium and step
- What it is
- The premium (prim) and the step (basamak, 0 to 8) the policy was priced on. The compulsory premium cannot pass a ceiling set by the state (chapter 4).
- What the rule says
- An operator who is new, or whose last policy cannot be found in SBM’s records, is priced at step 4. The price paid is the premium plus the Güvence Hesabı share plus taxes and fees. SBM FAQCompulsory general terms
Ask in Turkish
Hasarsızlık basamağım kaç?What is my no-claims step?
8ExtrasKasko and İMM terms
- What it is
- The terms around a kasko policy: the deductible (muafiyet), the market-value reference (rayiç değer), the repair shop and the parts used.
- What the rule says
- The deductible is printed at least 14 points high; the policy names the market-value reference, the repair shop and the parts. Kasko general terms · 2013
- Depends on the policy
- Each of these is the policy’s own text.
Ask in Turkish
Poliçede muafiyet var mı?Is there a deductible in the policy?
Kasko poliçemde rayiç değer hangi listeye göre belirleniyor?Which list is the market value in my kasko policy set by?
Onarım hangi serviste yapılacak, ben mi seçiyorum?Which workshop will do the repair, and do I choose it?
My list
Merhaba, poliçemle ilgili birkaç sorum var:Hello, I have a few questions about my policy:
Press “Add to my list” under a question, in any box, and it appears here. Press “In my list” again to take a line out.
Nothing you press is stored or sent. Each policy’s own terms are the insurer’s; the rules named in the boxes are the state’s.
The compulsory policy trafik sigortası
The trafik sigortası is the policy every operator of a motor vehicle has to hold. It pays other people for what the car causes in an accident. It does not pay for your own car.

What it pays, what it does not
- Death and injury of other people. Permanent disability, and after a death compensation to those who lost the person’s support (destekten yoksun kalma).
- Property damage of other people, including the loss of value after repair (değer kaybı), set by licensed experts that SBM assigns in turn.
- Treatment costs. SGK, the social security institution, pays them.
- Your own car and your own property. The insured’s car, the property of the insured and close family, and goods in the car are outside; an injured person’s luggage is not.
- Moral compensation, lost income and fines. Moral compensation (manevi tazminat), lost income, fines and prosecution costs are not paid.
General terms · SEDDK · checked 29.10.2026 · page
- Where and when
- Inside Türkiye. A policy starts and ends at 12:00 noon Turkish time on the dates written on it.
- After an accident
- Tell the insurer within 10 days. The insurer pays within 8 working days of receiving the full documents. Claims are time-barred 2 years after the loss and the person liable are known, and 10 years after the accident at the most.
- The price
- Premium, plus the Güvence Hesabı share, plus taxes and fees. It is paid in full at the start, or in instalments if at least a quarter is paid at the start.
The words: poliçe the policy, prim the premium, işleten the operator the law counts as responsible for the car, SEDDK the regulator (Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu), TSB the union of insurance, reinsurance and pension companies, SBM the information centre it hosts, which keeps the policy and claim records.
The 2026 limits and what a limit is
A limit is the most the insurer pays. The limit that applies is the one in force on the day of the accident, not the one on the day the policy was bought.
SEDDK · 01.01.–31.12.2026
Vehicles that carry people: 3,600,000 TL per injured or dead person.
Property damage: 400,000 TL per vehicle, 800,000 TL per accident.
Injury and death: 3,600,000 TL per person, 18,000,000 TL per accident.
Treatment costs: the table lists the same two figures, and SGK pays the treatment.
| Vehicle kind (SEDDK’s names) | Property, per vehicle | Property, per accident | Injury or death, per person | Injury or death, per accident |
|---|---|---|---|---|
| Vehicles used to carry people | 400,000 TL | 800,000 TL | 3,600,000 TL | 18,000,000 TL |
| Goods vehicles, trailers, work machines | 400,000 TL | 800,000 TL | 3,600,000 TL | 36,000,000 TL |
| Farm vehicles and special-purpose vehicles | 400,000 TL | 800,000 TL | 3,600,000 TL | 18,000,000 TL |
| Motorcycles and cargo motorcycles | 400,000 TL | 800,000 TL | 3,600,000 TL | 10,800,000 TL |

Loss of value and treatment
- Loss of value (değer kaybı) is the drop in a car’s value after repair. SBM’s expert-assignment page assigns licensed experts in turn.
- Treatment after an accident is paid by SGK, not by the insurer. How the health system works is in Healthcare in Turkey.
- At the roadside, the report, the call and the steps are in Car Rental in Turkey.
Compulsory-insurance general terms · checked 29.10.2026
Kasko and İMM the voluntary covers
Trafik pays other people. Kasko pays for the insured’s own car, and İMM pays other people again, above the compulsory limits. Neither is compulsory, and each pays what its own policy says.
The five risks of kasko
- A collision with another vehicle.
- Something hitting the car, or the car overturning, falling or rolling.
- Malicious acts of other people.
- Fire.
- Theft or attempted theft of the car or its parts.
The four product names
- Dar Kaskosome of the five risks.
- Kaskoall five.
- Genişletilmiş Kaskoall five and some extras.
- Tam Kaskoall five and all extras.
Kasko general terms · SEDDK · in force 01.04.2013 · checked 29.10.2026 · page

Extras, exclusions, the deductible
- Only by an extra contract: cover outside Türkiye; strike, riot and terror; earthquake, storm, hail and flood; towing by unauthorised persons; loss of use; keys; rodents; wear and rust; faults not caused by a covered event.
- Not covered: war and nuclear risks; driving without the required licence; deliberate damage by the insured or the household; overloading.
- The deductible (muafiyet) is the part of a loss that stays with the insured; the policy prints it at least 14 points high.
- The market value (rayiç değer) on the damage date is the most the insurer pays; the policy names the reference, else TSB’s list applies.
Kasko general terms · TSB FAQ · checked 29.10.2026
- Telling the insurer
- Within 5 working days of learning of the loss. In a theft, the authorities at once.
- Payment
- After the documents are complete and, if an expert is used, within 10 working days of the expert report; in any case payment falls due 45 days after the notice. A stolen car that is not found in 30 days is paid on the authority’s letter.
- A change of owner
- The policy ends when the owner changes, with a refund by the day, unless the policy says it continues with the new owner.
- The no-claims discount
- It continues if the policy is renewed with another company, and it moves to a new car through an endorsement; SBM lets every insurer follow it online.
İMM, the extra liability
İhtiyari mali sorumluluk sigortası (voluntary liability insurance) pays the operator’s legal liability above the compulsory limits, up to the limit written on the policy, and defends the insured against unfounded claims. It is valid in Türkiye. Moral compensation needs an extra contract.
Outside it: the insured’s own losses and the driver’s; the losses of the spouse, parents, children and siblings who live with them; damage to the insured car or what it carries (passengers’ luggage is covered); stolen-car cases; a car left with a workshop. The insurer may recover a payment from the insured after deliberate or gross fault or driving without a licence.
İMM general terms · SEDDK · checked 29.10.2026 · page
TSB publishes a kasko vehicle value list, with archives of earlier lists (TSB); the same family of lists serves the car tax, MTV, in Taxes in Turkey for Foreigners. Driving without the right licence is an exclusion; the licence rules are in Turkish Driving Licence.
Steps and the premium ceiling basamak and azami prim
An insurer cannot charge more than a ceiling (azami brüt prim, the highest gross premium) that SBM publishes by province, vehicle group, owner type and fuel. A policy is priced on a step (basamak) from 0 to 8, and each step has its own ceiling: the lower the step, the higher the ceiling.
SBM · October 2026 · İstanbul · car, private person
Ceiling at step 0: 59,087 TL. Step 4: 19,696 TL. Step 8: 9,848 TL.
A ceiling, not a price: the figures are the highest gross premium SBM’s October 2026 table allows.
Conditions: a car (otomobil), owned by a private person, not electric, no disability discount.
| Step | İstanbul | Ankara | İzmir | Lowest – highest of the 81 provinces |
|---|---|---|---|---|
| 0 | 59,087 TL | 57,415 TL | 55,743 TL | 52,956 TL – 59,087 TL |
| 1 | 46,285 TL | 44,975 TL | 43,665 TL | 41,482 TL – 46,285 TL |
| 2 | 37,422 TL | 36,363 TL | 35,304 TL | 33,539 TL – 37,422 TL |
| 3 | 28,559 TL | 27,751 TL | 26,942 TL | 25,595 TL – 28,559 TL |
| 4 | 19,696 TL | 19,138 TL | 18,581 TL | 17,652 TL – 19,696 TL |
| 5 | 18,711 TL | 18,181 TL | 17,652 TL | 16,769 TL – 18,711 TL |
| 6 | 15,757 TL | 15,311 TL | 14,865 TL | 14,121 TL – 15,757 TL |
| 7 | 11,817 TL | 11,483 TL | 11,149 TL | 10,591 TL – 11,817 TL |
| 8 | 9,848 TL | 9,569 TL | 9,290 TL | 8,826 TL – 9,848 TL |
From 01.11.2026
SEDDK’s circular of 07.10.2026 says that for November the ceilings applied in October are raised by 1% for cars, and by 2% for taxis, minibuses and buses. SBM prints the new table when it is out.
SEDDK circular 2026/30 · checked 29.10.2026 · page
How the record travels
- Your insurerwrites the policy; SBM keeps the policy and claim records.
- The stepInsurers apply a discount or surcharge by the tariff regulation’s steps and rates.
- The documentSBM issues the claims-status document (hasar durum belgesi) free of charge to the insurer, the agent or the insured.
- A new insurerlooks up the operator’s last policy in SBM’s records.
What the pages state
- Step 4 is the start: a first-time operator, or one whose last policy SBM cannot find, is priced at step 4.
- The record follows the operator, not the car.
- Insurers set their own premiums freely, up to the ceiling.
SBM FAQ · TSB FAQ · SBM tasks · checked 29.10.2026
Reading a policy and checking a car
Before driving a car you did not insure, there are a few papers to read and a few places where the car’s record can be looked up.

Checking a car’s cover
- The datesA policy runs from noon on the start date to noon on the end date.
- The numbersThe plate, engine and chassis numbers on the policy match the registration paper (ruhsat).
- Is it in forceGüvence Hesabı names e-Devlet, the state’s online service portal, and SBM’s pages as the places to look a car’s compulsory cover up by plate.
- The recordSBM’s web, SMS and Tramer queries show a car’s claims, replaced parts, kasko history and plate or province changes.
- What the claim record holds
- Date, cause, heavy-damage status and amount of each claim, the expert report data where there is one, the replaced parts, the kasko periods and the periods without kasko, plate, province and type changes, and how long the last owner had the car.
- What it leaves out
- It starts in 2003 and holds insurers’ kasko and compulsory-insurance payments only: glass, theft of personal items, keys, lamps, tyres, spare wheel and rims, audio and video equipment and mini-repair payments are not in it. The queries are paid; SBM says the policy query is free.
- Your own policies
- Since 05.10.2026 the e-Devlet page «Özel Sigortalarım» also shows the expert reports, accident reports and fault rates of your claim files, current and past policies in every line, and renewal warnings (SEDDK).
When a car is sold
Since 05.12.2024 a notary completes the sale of a car only when a compulsory policy in the buyer’s name, valid from the sale date, is found. The buyer has to take out the trafik policy. The seller cancels the old policy and gets the unused premium back by the day. The papers of a purchase are in Buying a Used Car in Turkey.
Güvence Hesabı FAQ · TSB FAQ · checked 29.10.2026
Six lines for the seller or the insurer
Aracın zorunlu trafik sigortası şu an geçerli mi?Is the car’s compulsory insurance valid right now?
Aracın kasko geçmişi nedir, kaskosuz kaldığı dönem var mı?What is the car’s kasko history, and was there a period without kasko?
Araçta ağır hasar kaydı var mı?Is there a heavy-damage record on the car?
Hangi parçalar değişmiş?Which parts have been replaced?
Plaka veya il değişikliği oldu mu?Has the plate or the province changed?
Hasar durum belgesini alabilir miyim?Can I get the claims-status document?
The lines ask for what the state’s records and the policy hold.
When the other car has no insurance Güvence Hesabı
Güvence Hesabı (the guarantee account) is a non-profit set up by the Insurance Law inside TSB. It pays people hurt in an accident when the insurance that should pay is missing, up to the cover amounts valid on the accident date.
When it pays
- The operator cannot be identified: bodily harm to a person.
- The operator had no compulsory policy: the bodily harm they caused, up to the cover amounts of the accident date.
- An insurer is bankrupt or all its licences are cancelled: the material and bodily harm it owed.
- A stolen or robbed car is in the accident, and the operator is not liable under the traffic law: bodily harm.
- Payments of TMTB, the Green Card bureau (chapter 8).
What it does not pay
- Damage to cars and other property. A car that hit your parked car and drove off is not paid; only bodily harm (disability, death) can be claimed.
- Moral compensation.
- The losses of the driver or operator at fault, and of a car thief and anyone who knowingly rides in a stolen car.
- Damage caused by animals.
Güvence Hesabı FAQ and task page · checked 29.10.2026 · page
- The reportGet the accident report from the police or the gendarmerie.
- The papersCollect the documents for your case.
- The applicationApply to Güvence Hesabı. It sets the compensation with each side’s fault in mind, within the limit of the accident date, and pays by bank transfer once the documents are complete.
- The time limit2 years from learning of the loss and the person liable, 10 years at the most.
Permanent disability
A power of attorney if an agent applies; consent for personal data; the accident report, statements, expert report or court decision; the health-board report valid on the accident date; the discharge summary (epikriz); the forensic examination report and all test and treatment reports; the current SGK service record and an income document; a verified mobile number.
Loss of support after a death
The same first items, plus the inheritance certificate, the death certificate and the autopsy report, the family register extract and the income document of the person who supported them on the accident date.
Material damage owed by a failed insurer
A copy of the policy, a certified copy of the accident report, the expert report, a court decision if there is one, proof of payment if the insured paid the repair, and other papers showing the link to the accident.
Where several injured people’s claims together pass the cover amounts, each claim is reduced in the same proportion. A policy of any insurer for the car means Güvence Hesabı has no responsibility. Documents: Güvence Hesabı, application documents.
Driving without a policy the 2026 fine
Without a compulsory policy the operator is fined and the car is taken off traffic. The 2026 fine guide of trafik.gov.tr prints the amount.
2026 fine guide · trafik.gov.tr
No compulsory policy: 1,246 TL.
Who: the operator (işleten).
Second amount: 934.50 TL, 25% lower, as the guide lists it.
Taken off traffic (trafikten men) until the deficiency is fixed.
Where the records show a valid policy, showing the paper policy is not required.

How a missing policy is found
- SBM works with other institutions to identify operators without a compulsory policy, and builds lists of uninsured vehicles.
- Güvence Hesabı sends renewal reminders by SMS to the number the agent entered at SBM, and reports operators without cover to the authorities that issue permits and licences.
- A check by the traffic police or another authority that finds no policy takes the car off traffic and brings a fine.
- A late surcharge: for each 30 days without a policy (from becoming an operator or from the end of the last policy), 5% is added to the next premium, up to a cap of 50%.
SBM · SBM FAQ · Güvence Hesabı follow-up page · checked 29.10.2026 · page
A car on foreign plates the Green Card
A foreign-plated car is covered in Türkiye by a Green Card (Yeşil Kart), the international motor-insurance certificate. TMTB, the Turkish Green Card bureau, says the card gives the cover of the compulsory insurance of the country where the accident happens, under that country’s rules and limits.

What the Green Card system is
- 46 countries are in the system. Iran’s membership has been suspended since 01.01.2024, and Iranian cards are not valid in Türkiye.
- SBM keeps the records of the third-party liability contracts that foreign-plated vehicles show on entering Türkiye.
- Electronic transfer of card data at the customs gates began as a pilot at Iğdır Dilucu on 10.10.2023, so that entries are quicker and fake cards are stopped.
TMTB · SBM tasks · checked 29.10.2026 · TMTB
What is checked on a card
- The TR boxis not struck through. A struck-through TR means the card is not valid in Türkiye; a note added by hand is void.
- The numbersThe plate, engine and chassis numbers and the insured’s name match the car’s registration paper.
- The countryThe registration country, the bureau on the card and the country code that starts the card number are the same. A German-registered car’s number starts with D.
- The datescover the whole stay in Türkiye.
- A tractor with a trailerThe tractor’s card is the one that counts.

A card may be green or black and white, in the agreed format, since 01.07.2020 (TMTB). The card is printed in the language of the issuing country with the words «International Motor Insurance» in English and French.
If a foreign-plated car hits yours in Türkiye
- At the roadsideFor damage only, fill in the agreed report; if anyone is hurt, call the police or gendarmerie. Write the card’s insurer name and code, number and dates in the report.
- The cardCheck that the dates include the accident day and that the TR box is open. Copy the card, the car’s registration, the driver’s licence and the signed report.
- The claimSend TMTB its claim form signed by the owner of the damaged car, with the report, the registration and card copies, the ID number (companies: the signature circular) and bank details, by post or e-mail.
TMTB claims page · checked 29.10.2026 · page


Sources and limits
This page gives no quote, no price of a kasko policy and no advice on which cover to buy: no state page prints a kasko premium, and what a policy covers is the policy’s own text. Photos are from Wikimedia Commons with the author, date, licence and file page in each caption; the illustrations were made for this page.
Show the pages checked
- Zorunlu Trafik Sigortası Limitleri — SEDDK, checked 29.10.2026
- Trafik Sigortası Azami Brüt Prim Tablosu (the October 2026 table, PDF) — SBM, checked 29.10.2026
- 2026/30 sayılı Genelge (07.10.2026) — SEDDK, checked 29.10.2026
- Karayolları Motorlu Araçlar Zorunlu Mali Sorumluluk (Trafik) Sigortası Genel Şartları — SEDDK, checked 29.10.2026
- Kara Araçları Kasko Sigortası Genel Şartları — SEDDK, checked 29.10.2026
- Motorlu Kara Taşıtları İhtiyari Mali Sorumluluk Sigortası Genel Şartları — SEDDK, checked 29.10.2026
- 2026 Yılı Trafik İdari Para Ceza Rehberi — trafik.gov.tr, checked 29.10.2026
- Sıkça Sorulan Sorular — SBM, checked 29.10.2026
- Web ile Sorgulama — SBM, checked 29.10.2026
- Tramer ile Sorgulama — SBM, checked 29.10.2026
- SMS ile Sorgulama — SBM, checked 29.10.2026
- SSS — TSB, checked 29.10.2026
- Türkiye Sigorta Birliği — TSB, checked 29.10.2026
- Görev ve Faaliyetlerimiz — Güvence Hesabı, checked 29.10.2026
- Sıkça Sorulan Sorular — Güvence Hesabı, checked 29.10.2026
- Zorunlu Sigorta Takip İşlemleri — Güvence Hesabı, checked 29.10.2026
- Başvuru Sırasında İstenen Belgeler — Güvence Hesabı, checked 29.10.2026
- Teminat Limitleri — Güvence Hesabı, checked 29.10.2026
- Türkiye Motorlu Taşıt Bürosu — TMTB, checked 29.10.2026
- Yeşil Kart — TMTB, checked 29.10.2026
- Türkiye’de Meydana Gelen Trafik Kazaları — TMTB, checked 29.10.2026
- Basın Duyurusu 05.10.2026: Sigorta hasarları e-Devlet’te — SEDDK, checked 29.10.2026


