What should be considered when purchasing car insurance?

While not mandatory, comprehensive car insurance is essential for every driver who owns a motor vehicle. Comprehensive insurance policies can vary depending on the needs of vehicle owners. In this sense, each vehicle owner can determine the scope of their comprehensive insurance according to their own needs. Standard comprehensive policies cover collisions, theft, and attempted theft, while much broader comprehensive policies may also cover natural disasters, personal accident insurance, and similar situations. The vehicle owner will decide on all of these and should also thoroughly research the insurance company they will purchase. The most important thing in comprehensive insurance is to include the damage possibilities within the scope of their needs as coverage in the policy.

Points to Consider in Comprehensive Car Insurance Policies

It will be beneficial for you to research the financial size of the insurance company you will purchase comprehensive insurance from.

If something happens to your vehicle after purchasing comprehensive insurance, you should ensure the competence of the insurance company’s authorized service center.

The insurance company’s position among its competitors and policyholder satisfaction

The duration of the value coverage if your vehicle is new

The breadth of coverage that will not affect your no-claims discount: Breakage of glass, headlights, mirrors, repairs, originality of materials used in case of vehicle damage,

The no-claims discount rate

Whether a replacement vehicle is provided when your vehicle is unusable, and if so, whether it is until your vehicle is repaired or for a much shorter period

Whether it covers theft in case of key theft or loss

Damage resulting from the use of incorrect fuel

Whether personal accident and injury costs are covered, and if so, what percentage

Whether your policy will have a clause if your vehicle has no damage

The accessibility and knowledge of your insurer

Whether your insurance premiums are paid. If your insurance agent pays them instead of you, there may be delays in some cases.

Comprehensive Vehicle Insurance Value List

The comprehensive vehicle insurance value, or insured value, is the price determined by the Turkish Insurance and Reinsurance Companies Association (TSRSB) based on the make, model, and year of manufacture of the vehicle.

The comprehensive vehicle insurance value list has been published since December 1987 to assist in the preparation of comprehensive vehicle insurance policies for insured motor vehicles. Depending on the general condition of the vehicle and market conditions at the time of insurance, comprehensive insurance may be issued at a price below or above the value shown in the list. Accessories added to vehicles after purchase are not included in the listed values; their prices are determined by mutual agreement between the insurer and the insured.