Motor own damage insurance glossary

26 terms

Bilgilendirme formu

The mandatory pre-sale disclosure form summarising the product's scope and exclusions. It must not contradict the policy.

Daini mürtehin

The institution (bank/finance company) holding rights over the indemnity due to a loan or lease (loss payee).

Eksik sigorta

Underinsurance: the sum insured falling below the actual value. It leads to a proportional reduction of the claim payment; declaring accessories is therefore critical.

Eksper

The independent licensed expert who assesses the damage (loss adjuster). Circular 2026/11 regulates the adjuster report standard.

Genel şartlar

The official kasko general conditions issued by SEDDK — the regulatory backbone every policy is built on.

Hasarsızlık indirimi

The no-claims discount step applied at renewal for each claim-free year. Product conditions on preserving it vary.

Kasko

Optional insurance covering damage to your own vehicle. Different from compulsory traffic insurance: traffic insurance pays the other party's loss, kasko pays your own vehicle's.

Koasürans

The insured participating in a fixed percentage of each loss (coinsurance). Must be shown separately from the deductible.

Levha kaydı

The official registry number of agents and brokers held at TOBB. It verifies the intermediary's authority.

Mini onarım

The service allowing small bodywork/paint/glass jobs without (depending on the product) breaking the no-claims discount.

Muafiyet

The part of a loss that stays with the insured (deductible). May be an amount or a percentage; the base it is calculated on must be clear in the policy.

Poliçe

The written form of the contract between insurer and policyholder. Coverage cannot be understood without reading benefits, exclusions and special conditions together.

Rayiç değer

The vehicle's market value at the date of loss. It is the basis of payment in total loss; the policy must state the determination method.

Riziko

The uncertain event that the insurance covers. Whether it is paid is decided by the benefits and the exclusions together.

Rücu

The insurer reclaiming a paid indemnity from the at-fault third party (or from the insured in case of rule breaches) — recourse/subrogation.

Sigorta ettiren

The person who concludes the contract and pays the premium (policyholder). May differ from the insured; the difference must be explained in the policy.

Sovtaj

Scrap/wreck value of a total-loss vehicle (salvage). It may be deducted from the indemnity, or the vehicle transferred to the insurer.

TSB Kasko Değer Listesi

The vehicle value list published by the Insurance Association of Türkiye (TSB), commonly referenced for sums insured.

Tam hasar (pert)

The situation where repair cost is uneconomical relative to the vehicle's market value (total loss). Circular 2025/12 regulates the process and market-value basis.

Teminat

The risks a policy covers and the maximum amount payable for them. The limit and the exclusions matter as much as the name of the benefit.

Yeni değer klozu

A clause paying the price of a new vehicle on total loss of a vehicle under a certain age/km (new-value clause). Duration, km and first-owner conditions must be reviewed.

Zeyil (zeyilname)

An endorsement documenting a later change to the policy. Analysis must always use the current contract with endorsements applied.

Özel şartlar (klozlar)

The company's product-specific additional provisions. Most real differences between policies live here.

İMM (İhtiyari Mali Mesuliyet)

Add-on cover for third-party losses above the compulsory traffic-insurance limit (voluntary third-party liability). Whether moral damages are included must be checked.

İkame araç

The temporary vehicle provided while yours is under repair (replacement vehicle). Day, event and class limits must be checked.

İstisna

The cases a policy leaves outside its scope. As decisive as the benefit list: whether a risk is truly covered is only clear after reading the exclusions.

Catalogue snapshot: 2026-10-15

Insurance glossary · See what these terms say in your own policy