Insurance Guide
Articles on reading a policy, comparing covers and handling a claim.
Insurance GuideWhat Is State-Supported Trade Receivables Insurance in Türkiye?
A state-backed scheme covering receivables from credit sales, where each buyer's credit limit is set centrally rather than by the insurer.
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Insurance GuideUnderinsurance and Over-Insurance in Turkish Policies
When the sum insured on a Turkish policy sits below or above the true value of the property, a partial loss produces two very different outcomes. The rule comes from the Commercial Code and the general conditions.
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Insurance GuideWhat Is Legal Expenses Insurance in Türkiye?
Legal expenses insurance (hukuksal koruma sigortası) does not pay the damages you may owe the other side. It funds the cost of defending or pursuing your own legal interest, and the regulator's general conditions list each covered item.
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Insurance GuideWhat Is Surety Insurance in Türkiye?
Surety insurance (kefalet sigortası) is the financial line in which an insurer stands as guarantor for a debtor and provides security to a named beneficiary. The insurer pays the beneficiary first, then recovers what it paid from the policyholder.
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Insurance GuideWhat Is Force Majeure in Turkish Insurance?
Force majeure describes an extraordinary event that makes performance impossible for reasons the debtor cannot be held responsible for. In insurance, however, the deciding question is not the label attached to the event but whether that peril is written into the policy as covered.
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Insurance GuideBuying Insurance Online in Türkiye: What to Check
Buying insurance online means dealing with a counterparty you cannot see. Turkish regulation fills that gap with concrete duties on the agency and the insurer, and this article turns those duties into a checklist you can run before you pay.
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Insurance GuideWhat Is an Insurance Policy and How Is It Issued?
A policy is the document evidencing an insurance contract. How soon it must be delivered, what it must contain and which text prevails if it diverges from the proposal are all settled by the Turkish Commercial Code.
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Insurance GuideWhat Is Market Value (Rayiç Bedel) in Turkish Insurance?
Rayiç bedel — market value — is the indemnity value of the insured item at the moment of loss. It is not the only measure in a Turkish policy: reinstatement value, agreed value and the square-metre basis used by DASK each produce a different figure.
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Insurance GuideWhat Are the Types of Insurance in Türkiye?
Turkish law sorts insurance along two axes: the life and non-life groups, and compulsory versus voluntary lines. Product names do not map one to one onto that official split, so the class a policy rests on is a separate question worth asking.
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