Terms and Conditions

Terms and Conditions

These Terms and Conditions have been drawn up by Özhedef Sigorta Aracılık Hizmetleri Limited Şirketi (“the Company”), the legal owner of the Gurbet Kasko service brand, in respect of the information, application and intermediation services offered through this site, within the framework of Insurance Law no. 5684, Consumer Protection Law no. 6502 and the Regulation on Distance Contracts. By using the site and submitting the application forms you are deemed to have accepted these terms; mandatory consent checkboxes are also presented at the application stage.

1. Scope of the Service and Agency Status

This site is used to give general information about insurance products for owners of foreign-plated vehicles, to collect applications and to intermediate quotation and policy processes. Gurbet Kasko is not an insurance company; it does not provide cover and does not issue policies. Policies are issued by the authorised insurance companies for which intermediation is provided. The Company is an insurance agency registered with the TOBB Register of Insurance Agencies under number T0869-R991 and operates in the capacity of insurance intermediary (agency) under the relevant legislation.

The main products for which intermediation is provided are: compulsory traffic insurance, extended liability cover (extended liability), personal accident, kasko (comprehensive), roadside assistance and assistance services. Each product legally constitutes an independent insurance or assistance contract.

2. Quotation and Policy Process

The information you submit through the site is used to prepare a quote and assess your application. Submitting an application does not mean that a policy will be issued; the decision to issue a policy, together with cover, premium and terms, belongs to the relevant insurance company. The insurance company may reject the application or request further information or documents. No final premium is provided by the site at this stage; the final premium, coverage and payment terms are determined after the relevant insurance company’s assessment.

3. Combined Package and Nature of the Service

The combined package presented as the “Gurbet Kasko package” is a commercial way of presenting several insurance and/or assistance covers brought together to provide price and scope coherence in favour of the applicant; legally it is not a single policy. The applicant accepts that:

• each cover within the package is issued under separate policies or contracts,
• the policies may be issued by different insurance companies or service providers,
• each policy is subject to its own general and special terms, covers, exclusions and duration,
• campaigns, terms and conditions apply separately to each approved and paid product.

The expression “combined package” does not remove the independence of the policies.

4. Distance Transactions and Right of Withdrawal

Application, quotation and approval processes are carried out by means of distance communication (the site, WhatsApp, e-mail, telephone). The right of withdrawal, cancellation and premium refund conditions are assessed according to the product type, contract duration, whether performance has started, the special rules for distance financial services, the acceptance of the relevant insurance company and the issued policy terms. Preliminary information is given at the quotation stage; a quotation request, approval step or payment alone does not mean that a policy has been issued or that cover has started.

5. Price and Payment

No online payment is taken through this site and no card data is processed. Payment is made after you have approved the quote, by confirming with our team, via bank transfer or the secure payment channels notified to you. Transfers must only be made to the official company account displayed via the “show” button in the site footer; requests stating a different account should be treated as an attempted fraud and must be confirmed with us. The start of cover is determined by the insurance company’s acceptance, the product terms, completion of the required payment and the start date written in the issued policy. A quotation request or payment transaction alone does not mean that cover has started.

6. Issuing and Delivery of Policies

Policies issued are delivered by the relevant insurance company, where necessary as more than one document, electronically (PDF) by e-mail and/or WhatsApp. There is no physical delivery. In combined packages it is accepted in advance that more than one policy or contract document will be received.

7. Cancellation, Termination and Refund

As a rule, policies may be cancelled in cases such as sale of the vehicle, total loss or withdrawal from traffic, issuance of a duplicate policy, or death of the insured, and within the general and special terms of the relevant insurance company. Where the whole package or a single policy in a combined package is cancelled, the refund is calculated by the relevant insurance company separately for each policy, on a pro-rata (daily) basis. For details see the Delivery, Cancellation and Refund Conditions page.

8. Accuracy of User Declarations

It is your responsibility to ensure that the information you provide in the forms is accurate and up to date. Incomplete or incorrect declarations may render the quote invalid, prevent the policy from being issued, or lead to compensation being paid partly or not at all in the event of a claim.

9. Limitation of Liability

The Company acts in the capacity of insurance agency; it has no determining or paying responsibility over insurance risks, loss amounts or compensation decisions and gives no undertaking to pay claims or compensation. Claims processes are conducted by the insurance company that issued the policy within the terms of that policy; roadside assistance and assistance services are conducted by the relevant assistance provider. The site content is for general information and does not replace the policy terms.

10. Intellectual Property Rights

The trademarks, logos, texts and images on the site may not be used without permission. Gurbet Kasko is a trademark protected before the Turkish Patent and Trademark Office under registration number 2023/093920.

11. Records and Evidential Agreement

When applications are submitted, the state of the consent checkboxes is recorded together with a timestamp, IP address and browser information. In the event of a dispute, the Company’s system records and the records of the relevant insurance company shall be taken as the basis; the mandatory provisions of consumer legislation are reserved.

12. Right to Amend

The Company reserves the right to update these terms; the current text takes effect the moment it is published on this page.

13. Governing Law and Jurisdiction

These terms are governed by the laws of the Republic of Türkiye (Turkey); Mersin courts and enforcement offices may have jurisdiction for commercial disputes. This clause does not restrict consumers’ mandatory rights to apply to competent authorities, consumer arbitration committees, consumer courts, the Insurance Arbitration Commission or other legal remedies.

14. Contact and Company Details