Foreign-plated vehicle insurance prices in Türkiye in 2026 cannot be reduced to one fixed price list. The final premium depends on the vehicle, registration country, stay duration in Türkiye, Green Card or foreign policy status, requested product, coverage limits and the relevant insurer’s assessment.
This guide explains the main factors that affect price in 2026, the difference between compulsory traffic insurance, kasko, extended liability and roadside assistance, and what should be checked before requesting a quote.
Role notice: Gurbet Kasko is a service brand used by Özhedef Sigorta Aracılık Hizmetleri Limited Şirketi for insurance agency application services aimed at foreign-plated vehicles. Gurbet Kasko and Özhedef Sigorta Aracılık Hizmetleri are not insurance companies, do not provide insurance cover and do not carry insurance risk. Özhedef Sigorta Aracılık Hizmetleri acts as a TOBB-registered insurance agency in information, quote collection and policy arrangement processes. Cover, premium, start date and validity conditions are determined by the relevant insurer’s policy and special terms.
Why 2026 prices vary
For foreign-plated vehicles, price is not determined only by make and model. Türkiye-valid liability need, own-damage kasko request, extended liability limit, roadside assistance expectation, stay duration and how the vehicle is matched in insurance systems are assessed together.
Main factors that affect the quote
- Vehicle type, usage, make, model, type and model year
- Registration country, plate and VIN/chassis number
- Length of stay and intended use in Türkiye
- Green Card or foreign policy territorial validity, dates and limits
- Whether the request is for compulsory traffic insurance, kasko, extended liability or roadside assistance
- Coverage limits, deductibles, assistance services and insurer acceptance criteria
Premium and coverage limit are not the same
Compulsory traffic insurance limits for 2026 are assessed within the official regulatory framework. A coverage limit shows the upper boundary for certain types of loss; it is not the same as the premium you pay.
In SEDDK’s table for 01.01.2026-31.12.2026, the material damage limit is shown as 400,000 TL per vehicle and 800,000 TL per accident. Health expenses and injury/death limits are read separately on a per-person and per-accident basis; accident-level totals may differ by vehicle group. Therefore, “400,000 TL” alone does not describe the full scope of traffic insurance.
Green Card and foreign policy checks
A Green Card or foreign policy should be checked for Türkiye validity, whether the international country code TR is not crossed out, dates covering the stay in Türkiye, limits and vehicle details. If the document is not sufficient, products valid in Türkiye may need to be assessed separately.
Kasko, extended liability and roadside assistance
Kasko is optional own-vehicle damage cover and depends on insurer acceptance and policy terms. Extended liability, when included in the policy, may be assessed as an additional financial-liability heading for third-party losses above compulsory traffic insurance limits. Limits, scope, exclusions, terms and premium are determined by the selected product and the relevant insurer’s policy terms.
Roadside assistance may include towing, recovery, guidance or similar services. How often, where, under which limits and on which conditions the service is provided matters as much as the price.
Does submitting a form make the price final?
No. A website form, WhatsApp message or email is only a quote request. A quote request, payment step or information form alone does not mean that a policy has been issued or that cover has started. Cover starts only when the relevant insurer issues the policy and the effective conditions written in the policy are met.
Current official source check
For a 2026 price assessment, current traffic insurance limits, Green Card scope, vehicle details, agency registration and the relevant insurer’s acceptance/policy terms should be read together. This article is for general information; official sources should be used for current limits, documents and application routes.
- SEDDK compulsory traffic insurance limits
- Türkiye Motorlu Taşıt Bürosu
- TOBB Insurance Agencies Directorate
- Ministry of Trade — passenger-accompanied vehicles FAQ
FAQ
Are foreign-plated vehicle insurance prices fixed in 2026?
No. Prices depend on vehicle details, usage, stay duration, selected product, cover scope, document status and insurer assessment.
Is a Green Card always enough in Türkiye?
Not always. It depends on whether the Green Card covers Türkiye, whether TR is crossed out, its dates, limits and your usage plan. If it is not sufficient, Türkiye-valid products should be assessed separately.
Why is kasko priced differently?
Compulsory traffic insurance concerns third-party liability. Kasko concerns optional own-vehicle damage cover. Their scope and pricing logic are different.
Does extended liability increase the premium?
The premium may change depending on the selected limit, product and insurer terms. When included in the policy, extended liability may be assessed as an additional financial-liability heading for third-party losses above traffic insurance limits.
Does the form make the price final?
No. The form is only a quote request. The final premium, cover and payment terms are determined by quote and policy documents after the insurer’s assessment; the form, payment step or information submission alone does not start a policy or cover.
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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