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Compulsory Traffic Insurance

Overview

Compulsory Traffic Insurance provides coverage for the legal liabilities arising from motor vehicle accidents that result in injury, death, or property damage on public roads.

Features

  • Valid within the borders of Turkey.
  • Coverage is provided on an annual basis.
  • Mandatory for all vehicle types.
  • Vehicles without Compulsory Traffic Insurance are prohibited from operating on public roads.
  • Minimizes the financial impact of unexpected events, ensuring financial security.
  • The insurance is non-transferable upon the sale of a vehicle. The new owner must obtain a new policy in their name within 10 days.

Application Channels

Dünya Katılım Branches

Mobile Application

Online Site

Frequently Asked Questions

How much does Compulsory Traffic Insurance cover in the event of an accident?

The insurance covers material losses to individuals and other vehicles up to the limits specified in the policy. Any damages exceeding these limits are the responsibility of the insured. 

Why is Compulsory Traffic Insurance expensive?

Several factors influence the cost of compulsory traffic insurance:

The city where the vehicle is registered (Higher traffic density increases the price).

The vehicle's damage history and the number of claims (Known as the driver score; more claims lead to higher prices).

The age of the vehicle owner (Drivers under 30 face higher premiums).

How much does Compulsory Traffic Insurance cost ?

The Compulsory Traffic Insurance is calculated by taking into account information such as the age, make and model of the vehicle and a policy cost is calculated accordingly. Within the scope of the coverage in the policy, the price of Compulsory Traffic Insurance may vary.

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ÇEREZ KULLANIMINA İLİŞKİN AYDINLATMA METNİ
1. Introduction This text has been prepared by Dünya Katılım Bankası A.Ş. in its capacity as data controller, in accordance with Article 10 of the Law on the Protection of Personal Data No. 6698 ("Law"), the Communique on Principles and Procedures for Compliance with the Obligation to Inform ("Communique"), and the Guide on Cookie Applications ("Guide"). This Cookie Notice has been prepared to inform visitors about the processing of personal data collected through cookies on our website, including details on the purposes and types of cookies used, as well as guidance on how to manage them.  2. What are Cookies and Why are They Used? Cookies are files or pieces of information that can be stored on your computer or other internet-connected devices, such as smartphones or tablets, when you visit a website. Essentially, cookies are small text files placed on your device while using online platforms like websites or mobile applications. Cookies are employed to deliver personalized content to users and optimize the efficiency and functionality of websites. They aim to provide tailored content that aligns with users' personal preferences and requirements, thereby enhancing the overall browsing experience. It's important to note that cookies only contain information related to your internet history and cannot access files stored on your device. Additionally, cookies can be utilized to customize our services according to your interests and needs. This ensures quicker and more personalized experiences when revisiting our websites in the future. 3. What Are Cookie Types? Cookies by the party responsible: First-Party Cookies: Cookies that are created and controlled by the bank, placed on the website by the users. Third-Party Cookies: Cookies that are created and managed by third-party companies with whom we collaborate. Cookies by storage duration: Session Cookies: These cookies exist only while the user's browser is open and are deleted once the browser is closed. Persistent Cookies: These cookies remain on the user's device for a set expiration period even after the browser is closed. They are reactivated upon subsequent visits to the website and are used to recognize visits from the same device. Cookies by purpose of use:  a.Essential Cookies These cookies are absolutely necessary to ensure the proper and efficient functioning of the website. If these cookies are removed or blocked, the website may lose some or all of its functionalities.  b.Functional Cookies These cookies are used to remember personalization and preferences on the website. They provide functionalities beyond the essential ones to enhance user experience.   c.Performance - Analytics Cookies These cookies allow for statistical measurement and analysis of user behavior on websites. They are frequently used to improve the site, including measuring the impact of advertisements on users. Website owners use these cookies to measure, analyze, and predict visits, and to identify the most important search engine keywords that lead users to the site.  d.Advertising / Marketing Cookies Advertising and marketing cookies monitor users' online activities to identify their personal interests and display relevant advertisements. They prevent repetitive ad displays and ensure that ads are presented correctly. The purpose of these cookies is to deliver an enhanced and personalized user experience. 4.Types of Cookies Used on Our Site Below you can find the different types of cookies we use on the Website.  Essential Cookies Cookie Name Provider    Intended purpose / intended use Usage Time CultureInfo Banka Shows the language in which visitors use the website pages. During the session .AspNetCore.Session Banka Indicates a unique identification number assigned to visitors During the session Performance and Analytics Cookies Cookie Name Provider Intended purpose / intended use Usage Time _ga_XXXXXXXXX Google Analytics Tracking This cookie is used by Google Analytics to collect information about the frequency and time of visitors' visits to the Website. 1 year 5.What Are Your Rights as a Personal Data Owner? Personal data owners have the following rights under Article 11 of the Law, which regulates the rights of the data subject: Find out if personal data has been processed Request information about your personal data if it has been processed Find out the purpose of processing personal data and whether they are used for their intended purpose Be informed of the third parties to whom personal data is transferred at home or abroad In case their personal data are processed incompletely or incorrectly, request correction thereof and request that the third parties to whom their personal data have been provided are notified about the corrections accordingly Request the deletion or destruction of personal data in the event that the reasons requiring their processing are eliminated, and to request the notification of the transaction made within this scope to third persons to whom the personal data are transferred, although it was processed in accordance with the provisions of Law and other relevant laws Object to emergence of an outcome against their own interests upon analysis of the processed data exclusively by automatic systems Request the compensation of the damage in case of loss due to unlawful processing of personal data To exercise your rights mentioned above, you can submit your requests to our bank through the following methods: By visiting our branches in person, with identity verification Through our Digital Channels or Call Center, with identity authentication By sending a notarized document to the address: Yamanevler Mahallesi Ahmet Tevfik İleri Caddesi No: 1/3 Ümraniye/ISTANBUL By sending a securely signed electronic document to dunyakatilim@hs01.kep.tr  By using your email address registered in our bank's system . The application must include: a) Name, surname and signature if the application is written b) T.R. ID number for citizens of the Republic of Turkey, nationality, passport number or ID number, if any, for foreigners c) Residential or workplace address for notification ç) Electronic mail address, telephone and fax number for notification, if any d) subject of request. Your request will be processed free of charge as soon as possible and within a maximum of thirty (30) days. If your request requires additional costs, a fee may be charged according to the tariff determined by the Board.