Insurance prices for foreign-plated vehicles in Turkey are not determined by a single fixed list. The product type, vehicle details, intended use, stay plan in Turkey, selected cover, current rules, insurer tariffs and acceptance criteria are assessed together.
This guide does not promise a final premium. It explains which information may affect a quotation and why accurate vehicle and document details matter.
Role notice: Gurbet Kasko is a service brand used by Özhedef Sigorta Aracılık Hizmetleri Limited Şirketi for insurance agency application services related to foreign-plated vehicles. Gurbet Kasko and Özhedef Sigorta Aracılık Hizmetleri are not insurance companies; they do not provide insurance cover and do not assume insurance risk. Özhedef Sigorta Aracılık Hizmetleri acts as a TOBB-registered insurance agency in information, quotation and policy arrangement processes. Premiums, cover, start date and validity conditions are determined by the relevant insurer’s quotation, policy wording and special terms.
The product type comes first
- Compulsory traffic insurance: Concerns damage that may be caused to third parties, within policy limits and conditions.
- Own-damage insurance: An optional product for damage to the insured vehicle itself; availability depends on insurer acceptance and policy scope.
- Additional liability / extended financial liability: when included in the policy, it may be assessed as an additional financial-liability heading for third-party losses that exceed compulsory traffic insurance limits. Limits, scope, exclusions and conditions are determined by the policy.
- Green Card: an international liability insurance certificate and country-scope mechanism; Turkey coverage, the TR country code and validity dates should be checked on the document.
- Roadside assistance: may include towing, recovery or guidance services; provider, scope, limits and fee depend on the policy or service package terms.
Information that may affect the price
- Plate and country of registration,
- chassis number, make, model, version/type and model year,
- vehicle use type and planned stay in Turkey,
- selected product and cover scope,
- statutory limits, additional liability limits and assistance scope,
- the insurer’s current tariffs, systems and acceptance criteria,
- vehicle valuation, exchange rates and current conditions for the policy period.
Why can make/type matching affect a quotation?
The exact make/type information of a foreign-plated vehicle may not always be available in Turkish insurance systems. In that case, a suitable equivalent vehicle definition in the insurer’s system may be used. The final vehicle definition, premium and cover are determined according to the relevant insurer’s assessment.
Why can a quotation change over time?
Quotation validity depends on the relevant insurer’s systems, product terms and current assessment criteria. If a quotation is renewed or reassessed, price and conditions may change due to vehicle value, exchange rates, premium calculations, cover scope and updated insurer criteria.
What should be compared besides the premium?
Looking only at a lower premium may not be enough for the right decision. Product type, limits, exclusions, deductibles, roadside assistance terms, geographical scope, payment conditions and claims procedure should be read together.
Current limits and official source check
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Compulsory traffic insurance limits, product terms and application rules may change over time. When evaluating a price for a foreign-plated vehicle, current traffic insurance limits, Green Card scope, vehicle details, agency registration and the relevant insurer’s acceptance/policy terms should be checked together. This article is for general information; official sources should be used for current limits, documents and application routes.
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- SEDDK compulsory traffic insurance limits
- Türkiye Motorlu Taşıt Bürosu
- TOBB Insurance Agencies Directorate
- Ministry of Trade — passenger-accompanied vehicles FAQ
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Does submitting a form mean that a policy exists?
No. Sending information through the website or communication channels is only a quotation request. A quote request, payment step or information form alone does not mean that a policy has been issued or that cover has started. Insurance cover begins only when the relevant insurer issues the policy and the policy’s effective conditions are met.
FAQ
Is there a fixed price for foreign-plated vehicle insurance?
No. The price may vary according to vehicle data, product type, cover scope, insurer criteria and current conditions.
Is a lower premium always the right option?
Not necessarily. Premium should be evaluated together with cover scope, limits, exclusions, deductibles, service terms and claim-time conditions.
Does the form make the price final?
No. The form is a quotation request. The final premium and conditions are determined according to the quotation and policy documents prepared after the relevant insurer’s assessment.
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Are online price ranges binding?
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No. General price ranges may be useful for orientation; for foreign-plated vehicles, the final premium is formed according to vehicle and document details and the relevant insurer’s current assessment.
Is Gurbet Kasko an insurance company?
No. Gurbet Kasko is a service brand used by Özhedef Sigorta Aracılık Hizmetleri Limited Şirketi. Özhedef Sigorta Aracılık Hizmetleri acts as a TOBB-registered insurance agency; Gurbet Kasko and Özhedef Sigorta Aracılık Hizmetleri are not insurance companies and do not provide insurance cover.
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