Insurance Propective Association, 4-5 October 2012 in the Turkish insurance sector managers and professionals and Surrounding Countries targeted "The Public and Insured Awareness Regarding Catastrophe Exposures and The Roles of the Insurance Market before and after the Catastrophe '4 th International Istanbul Insurance Conference is being organized.
Turkey and the world is a very valuable participants participate as a speaker for the conference in the building of National Reinsurance participants; Insurance and Reinsurance Companies of the issues mentioned above with the opportunity to discuss the implications will be.
With the Turkish Insurance and Reinsurance Companies of the Union, including the National Reinsurance, Istanbul Underwriting Center and insurer newspaper sponsorship will be held in the conference is free to join, the conference language is English olacaktır.bölge our and our industry agenda on important issues contributed believes that the conference valuable contributions to expect, Participation confirmation of your 28 until the evening of September conference web site (www.iiicturkey.co I) or email address sevi.acin@iucre.co I ask to be notified.
Sincerely,
Honorary Altingoz
INSURANCE ASSOCIATION PRESIDENT practitioners
4-5 October IV. Istanbul International Insurance Conference
Address: NATIONAL REINSURANCE Conference Hall
Macka cad. No: 35 Beyoglu-Istanbul
SCHEDULE:
4-5 October IV. Istanbul International Insurance Conference
08: 30 to 09:30
09:30 "Registration & Welcome Coffee
09: 30-10: 00 Opening Speechs
Ibrahim Khalil Çanakçı undersecretary of Treasury
Aktas, deputy undersecretary of Treasury Burhanettin
Dr. Ahmet Young - Treasury undersecretary, General Director of Insurance
Erhan, Tuncay - General Secretary AIRCT
Honorary Altingoz - STD President
Thursday 4 October Speaker Company
Session I 10: 00-13: 00 The Significance of Insurance in Case of Major Regional or National Catastrophes
Moderator Hulki Yalçın National Reinsurance
Role of Munich Re will reinsure Jürgen Brucker in case of a major nat. cat event
Tony Jose / Lockton Re Okan Caglayan, 'Role of the Broker'
John Alarcon Willis Re Role of Modeling
Salvation's Role in Natural Disasters TCIP printer Treasury
General Directorate of Insurance
Gökhan Aktas National Re MENA Region & Nate Update CATS In the Region
13: 00-14: 00 LUNCH
Session II 14: 00-15: 30 Role Of The Insurance Market and salvaging Saving Lives, Property, Money & Time Awareness of the Insured
Moderator Ahmet Celebi Insurance Practitioners' Association
Zeynep Nazli Altınel "Bar of Istanbul Consumer Rights
and Competition Law "Consumer Rights and Consumer Legislation
Khaled awesome English Arbitration Arbitration Bureau of Insurance: A New Alternative For Consumers
Professor Dr. Nilgün subject is expected ... Okay Istanbul Technical University.
My Kerem Kuterde Republic of Turkey Prime Ministry AFAD National Earthquake Strategy and Action Plan of Turkey from 2012 to 2023.
Disaster and Emergency Management Presidency
Session III 15: 30 to 18: 00 BILATERAL MEETINGS
20: 00-23: 00 Dinner Invitation "Aperativo" Adresse: Constitutional Cad. Orhan Apaydın sok No: 17 Asmalımescit phone: +90 212 293 59 59 http://www.aperativo.net/
Friday 5 October Speaker Company
Session IV, 09: 00-09: 30 Keynote Speaker
David Lacelles Centre For the Study of Financial Innovation
Coffee Break
Session V 10: 00-13: 00 After the Catastrophe: Disaster handling for the national insurance industry and the policy beneficiary
Moderator Arifhikmet Treasury Brave
Professor Dr. First of Alper Istanbul Technical University
Seda Price Waterhouse Coopers Demircioğlu After the catastrophe: Resilience is ciritical
Lessons learned from Munich Re, Georg Feierabend a major nat cat event - Chile
İsmet Güngör TCIP Managing Earthquake Event
TBA Thornton Tomasetti
Closing
21 Eylül 2014 Pazar
20 Eylül 2014 Cumartesi
INSURANCE TRAINING CENTER (Segen)
INSURANCE TRAINING CENTER (Segen)
RENEWAL OF INSURANCE AGENTS TRAINING TECHNICAL STAFF ANNOUNCEMENT
As is known, Insurance Agents Regulations Article 19 the first paragraph of "technical staff, date, and program Undersecretariat three months in advance will be announced at least three years to five working days to exceed training to be provided are subject to the provision that" supervisors are.
Under the provisions of the said Regulations, issued in 2009, of people who participated in Agent Technical Personnel Training, e-learning in 2012 by SEGEM method will be used to participate in refresher training is required.
Insurance Agents Technical Staff Refresher Training to be followed for as long as the timetable for listed below is in the training program and application requirements detailed information on the August 2012 period SEGEM published on the website to Agency Technical Staff Refresher Training Application and Implementation Guide will be available on.
• Application Dates: 3-24 September 2012
• Training dates: September 3 - December 24, 2012
• Teaching Method: E-learning
It is important for our colleagues.
SAB Board of Directors
General Secretariat
RENEWAL OF INSURANCE AGENTS TRAINING TECHNICAL STAFF ANNOUNCEMENT
As is known, Insurance Agents Regulations Article 19 the first paragraph of "technical staff, date, and program Undersecretariat three months in advance will be announced at least three years to five working days to exceed training to be provided are subject to the provision that" supervisors are.
Under the provisions of the said Regulations, issued in 2009, of people who participated in Agent Technical Personnel Training, e-learning in 2012 by SEGEM method will be used to participate in refresher training is required.
Insurance Agents Technical Staff Refresher Training to be followed for as long as the timetable for listed below is in the training program and application requirements detailed information on the August 2012 period SEGEM published on the website to Agency Technical Staff Refresher Training Application and Implementation Guide will be available on.
• Application Dates: 3-24 September 2012
• Training dates: September 3 - December 24, 2012
• Teaching Method: E-learning
It is important for our colleagues.
SAB Board of Directors
General Secretariat
Motor Vehicle Liability Insurance Regulation
Dear Colleague, Highways Compulsory Motor Vehicle Liability Insurance Regulation on the tariff application
The guidelines are listed below changes.
Regards
SAB-Insurance Agents Association
General Secretariat of the Board of Directors
Published in the Official Gazette: 14.07.2007 - 26582
Publishing Organization: Treasury (Prime Minister)
SECTION
Purpose, Scope, Basis and Definitions
Purpose and Scope
ARTICLE 1 (Amended OG 19.06.2013-28682) (Effective 01/01/2014)
(1) The purpose of this regulation is determined by the Minister in charge of the Treasury highways compulsory motor vehicle liability insurance rates freely determined by the insurance companies to regulate the procedures and principles.
(2) This Regulation highways compulsory motor vehicle liability insurance coverage; insurance premiums, insurance companies identified with the principles of the primary cuts and increases to the implementation of the minimum amount of insurance for motor vehicle-related professional activities with those race organizers have to have their liability insurance provisions related to covers.
basis
ARTICLE 2
(1) This Regulation, 06/03/2007, dated 5684 Insurance Law Article 12 and 12.09.1994 No 4059 dated Treasury and Foreign Trade Organization and Duties of the Law on Article 2 of the first paragraph (e) to has been prepared based.
Definitions
Article 3 (Amended OG 19.06.2013-28682)
(1) In this regulation;
a) Minister: the Minister in charge of the Treasury,
b) The Union (OJ different 19.06.2013-28682) Turkey Insurance, Reinsurance and Pension Companies Union,
c) (Repealed: RG 6.2.2008-26779)
d) Operator: 10.13.1983 dated and 2918 operating area defined in the Highway Traffic Act,
d) The Undersecretariat of Treasury,
e) Insurance company: Motor vehicles liability insurance branch of the insurance company that owns the license,
f) Insurance coverage: Traffic insurance provided under the collateral and treatment costs, disability and death assurances,
g) Traffic Insurance: In accordance with the Road Traffic Act 2918, which must be built highways for motor vehicle liability insurance,
i) (Amended OG 19.06.2013-28682) TRAMER: Traffic Insurance Information and Surveillance Center,
means.
PART TWO
Motor Vehicle singly
The determination of the principles of insurance premiums
Article 4 (Amended: OG 6.2.2008-26779)
(1) (Amended: OG-19.06.2009-27263) Traffic insurance premiums, insurance companies within the framework of this Regulation shall be determined freely.
(2) (Amended: OG-19.06.2009-27263) Insurance companies are obliged to act in accordance with the provisions of this Regulation. Insurance companies, subject to the provisions of Article 15 of this Regulation, including statements contained in the regulation of additional provinces by vehicle type may determine on the basis of the basic insurance premium freely. Insurance companies determine this amount, 10% of discount and increase the range of 20% to exceed freely increase and / or reduction can determine the cause. Insurance companies determine their premiums can not change 6 months ago. Undersecretariat increase the premium stated in this paragraph, or completely remove the upper limit is authorized to increase.
(3) have the same risk on behalf of an insurance company vehicles and / or for those who operate out of the same premium regulation of insurance contracts concluded are essential. "
Discounts and increase the implementation of
Article 5 (Amended: OG 6.2.2008-26779)
(1) No claim discount on premiums and damage due to premium increases due to the steps in this article are based on.
Step Number Discount% Increase%
7 20 -
6 15 -
5 10 -
4 - -
3 - 20
2-40
1-60
(2) Operating traffic will be going for the first time as a primary step increases and reductions are free.
(3) Insurance, which operates within the contract period Failure to pay any compensation for the subsequent insurance premium discount will be applied at the contract rate is determined based on a higher level. Occurring within the insurance period for the payment of any compensation to be applied in the subsequent contract of insurance premium rate increase is determined based on a lower rung.
(4) payment of compensation due to the premium reduction or increase the primary operator of the application will follow.
(5) A vehicle operator to more than one motor vehicle there, or more than one motor vehicle of an enterprise name or business name or under this undertaking interrupted by the ticket are operated each vehicle separately for insurance contracts made and to be implemented primary places each vehicle is determined separately for.
Submission of the required documents and should be kept
ARTICLE 6
(1) Primary care for the determination of the insured;
a) Sale of incurred but not yet on vehicles registered in the name of the notary bill of sale or invoice or other document that shows the process; to the previous owner of the vehicle a copy of vehicle registration; If the transport document,
b) made on behalf of registered vehicles; copy of vehicle registration, if any, transport document,
is obliged to submit.
(2) the insured to the insurer's latest policy information from the database can not be controlled by the insured in the event TRAMER recent policies of such insurance shall be submitted to the company.
(3) The insurance company, insured by the submitted documents and tramer receivable from injury status certificate, depending on the insurance contract applicable discount and raise rates belirler.p I care for the determination of vehicle sales shows the process of the document or vehicle registration by and in appropriate cases, the last policy eg submission of the possible failure of primary care, primary care with the highest increase in the premium rate is calculated by adding 10%.
(4) Insurance companies claim bonus or compensation due to premium increases applied in the case, the insurance contract on the injury status of the document date and the number of write and damage state documents, document or electronically at least three years is required to keep.
Timely renewal of insurance contracts
Article 7 (Amended: OG 6.2.2008-26779)
(1) Vehicle operating as of the date of expiry of those insurance contracts are obliged to renew. Vehicle operating from the date of expiry of the insurance contract renewal every 30 days to perform the following insurance contract premium, limited to 50% by the addition of 5% is calculated.
Discounts and increase the account)
ARTICLE 8 (Amended: OG 6.2.2008-26779)
(1) Discounts and raise rates, insurance premiums collected to apply but are applied in succession.
Tools and mandatory road transport operator of the adjective Acquiring liability insurance discount
Article 9 (-Başlığıyla- Amended: OG 6.2.2008-26779)
(1) Vehicle operator of the title winners won this title as of the date they are required to have auto insurance. From that date, the insurance contract is not fulfilled the obligation to do the following for each insurance contract premiums in thirty days, limited to 50% of the premium is calculated by adding 5%.
(2) subject to the Road Transport Law No. 4925 intercity and international passenger carriers, passenger bodily harm that may be required by law for this book Compulsory Liability Insurance Road Freight they are discounted by 20 percent in the case of certification. "
Vehicle operating loss of new adjectives
Article 10 (Repealed: RG 6.2.2008-26779)
The change in operating (Amendment 19.06.2013-28682 RG)
ARTICLE 11
(1) Insurance contracts, contracting araçişlet Panini will follow. In all cases where the changed operating current contract shall be automatically terminated as of the date of change and concerned premiums will be refunded on a daily basis. However, the current contract for the duration of the operating onbeşg from the date of the change without any processing and payment of premiums is also valid for the new operating.
(2) Operator, which has information about the new vehicle to the insurance company informs. Operating-claims to be the owner
discounts for vehicles in hakkıaynıtür continues. In the case of operating araçedin introduce different types premiums are determined according to the second paragraph of Article basamağı5. Artırımıuygulan primary will be held on a new contract for operating kaldığıyer continues from the primary step. "
Instruments issued abroad
Article 12 (Repealed: RG 6.2.2008-26779)
Short-term insurance
ARTICLE 13
(1) the insurance period is one year. However, the temporary plate vehicles, 10.07.2003 dated and 4925 numbered Law on Road Transport subject to international goods and passenger carriers and international multilateral or bilateral agreements falling under foreign license plates of vehicles in Turkey, the current international or bilateral agreements are accepted by insurance or their introduction to traffic insurance for Turkey's borders can be done during the short-term insurance. Short-term insurance, this does not apply to vehicles outside.
(2) Short-term insurance premium amount, calculated from the fourth digit of not less than 25% of the annual premium basis shall be determined by the day.
(3) Short-term insurance does not apply to claims bonus. However, due to damage to these contracts Compulsory Transport Insurance premium increases and discount is applied.
(4) Short-term insurance contracts issued following the new insurance contract claims discount does not apply in the case of the year.
Optional liability insurance
ARTICLE 14
(1) This regulation or determined by the Minister to give guarantees on the minimum amount of collateral, voluntary liability insurance of motor vehicles to be covered by the additional premium is permitted provided.
Tariffs are determined by the insurance company
Article 15 (-Başlığıyla- Amended: OG 6.2.2008-26779)
(1) Insurance companies with Article 4 of this Regulation and the increase in the range of discounts granted to them may determine, subject to the tariff. Tariffs, in the preparation of data on the sector in general in the eyes of TRAMER be taken into consideration and implemented at least 15 days before being sent to the Undersecretariat of TRAMER is essential. Company tariffs will be prepared by the actuarial report about the company official to be readily available for inspection at the company headquarters is stored. Justification for tariffs summary is transmitted to the Treasury by the companies.
(2) TRAMER sent to him tariffs, traffic on the existing damage and third party liability insurance premiums across the state by putting data on tariffs to be considered in the evaluation transmit to the Treasury.
(3) insurance policies TRAMER have to be organized through a database. Insurance companies, determined on the basis of provinces according to the type of vehicle insurance premiums according to data from the main database TRAMER traffic insurance policy can not be issued without preparation. Besides TRAMER compliance with the provisions of this Regulation within the scope of Article 4 and the increase of the range of discounts granted to companies that have exceeded the controls.
(4) The Union within the framework set by the Undersecretariat but are not binding tariff can prepare Traffic Insurance Guide. Tariff Guide is published on the website of the Union.
changes
Article 16 (Amended: OG 6.2.2008-26779)
(1) The Undersecretariat of insurance companies 4 in accordance with Article increase and reduction within the limits-determined amount of premiums to insurance companies financial structure, taking into account the sector of unfair competition prevention and insurance compliance with the principles in the framework of the above-mentioned period of time without regard to modify.
Public institutions and organizations of the traffic insurance auctions
ARTICLE 17
(1) (Amended: OG 6.2.2008-26779) Public institutions and organizations in the tender offer will be traffic insurance premium is determined by insurance companies as a freelance.
(2) under this clause traffic insurance insurance companies winning tenders, procurement tender information no later than 3 business days from the date sends tramer. TRAMER tender information on a monthly basis to the Treasury informs.
PART THREE
Businesses Related to Motor Vehicle Finds
guarantees
ARTICLE 18
(1) Motor vehicle-related professional activities undertaking of the owners, supervision, repair, maintenance, purchase - sale, vehicle modifications for the purpose or a similar purpose, he dropped a motor vehicle damage caused due to which they are subject responsibility for liability insurance are required to have.
Detection of primary
ARTICLE 19
(1) Premiums are determined freely by insurance companies and is charged in advance. Premiums in the determination of the insured risks affecting the other factors together with the supervision of the operator (parking-garage) and the purchase and sale of dealing with (auto dealerships) for businesses workplace tools location capacity, repair and maintenance of the undertaking (gar-service station) for businesses in the workplace constant number of employees based on accepted.
(2) the transfer of workplace activities, stop, or the like, in case of termination of the insurance contract terminated. The insurance company is entitled to the termination date of the insurance contract premiums are determined on a daily basis and will be returned to the Insured more.
PART FOUR
Race Organisers
guarantees
ARTICLE 20
(1) Race organizers, race participants and assist people during the race against third parties whose responsibilities to meet the racing or participating in the protests that accompanied them, and the race or at the demonstration of the tools used according to the type of this Regulation motor vehicle operators for the prescribed minimum benefits which includes liability insurance must be .
(2) Cycling participated in demonstrations collateral for bicycles, motorcycles or cargo bikes for those operating under the collateral can not be determined.
Detection of primary
ARTICLE 21
(1) Premiums on insurance companies and show organizers of the race shall be determined and shall be paid in advance.
Insurance period
ARTICLE 22
(1) The term of the insurance contract made before the race with racing and training also shall include proof.
SECTION
Miscellaneous and Final Provisions
information
ARTICLE 23
(1) in the insurance policy, the policy basis for the regulation of the causes and raise the discount name, along with rates and amounts must be shown legibly.
The amount of collateral to be applied to new contracts in force
ARTICLE 24
(1) This regulation determined by the amount of collateral all insurance contracts in force is applied without any additional premium.
(2) Insurance companies organized policy front sides of the "Agreement during the period of the Treasury The Minister in charge by the amount of collateral increased, if this policy written guarantees provided, any transaction without the need and additional premiums without new guarantees on the amounts will be valid." must write the phrase.
Records and information to be communicated to policy tramer
ARTICLE 25
(1) Insurance companies, online traffic generation must realize that insurance policy. (Amended: OG 9.12.2009-27427, Effective: 01/01/2010) Traffic Insurance Information Center on insurance policies that you create for each insurance Insurance Information and Computing Center Number Reference Number must be printed in a minimum 12 pt.
(2) insurance companies, auto insurance policy and damage data on the most one-day delay is obliged to transmit tramer.
Compulsory motor insurance stamp
ARTICLE 26
(1) Insurance companies, Turkey Insurance and Reinsurance Companies of the Union printed by the serial number and insurance company name and the insurance period, showing the Compulsory Traffic Insurance Stamp insured vehicle windshield to be glued insurance contract with the insured must give.
Clearing-house
ARTICLE 27
(1) more than one vehicle was involved in a traffic accident injured person, vehicle insurer or to any of the Insurance Act 5684, in cases provided for in Article 14 of assurance may wish to eliminate loss account applying. Paying expenses insurer or security account, the amount you pay may request to be shared in proportion to the responsibility.
(2) to be made under this Article subrogation claims dated 04.11.2007 and published in the Official Gazette No. 26490 Traffic Insurance Information Center of the second paragraph of Article 5 of Regulation (i) specified in the clearing house will be compensated through.
Privacy
ARTICLE 28
(1) insurance companies determinations made under Article 4 TRAMER Board members will not be in any way.
(2) TRAMER TRAMER with members of the Board of Directors during these tasks and duties of staff at the end of tramer not use the information communicated in any way, I can not share with someone. By TRAMER under this Article and under the responsibility of the Undersecretariat of people without public office deems appropriate confidentiality undertaking is taken.
sanctions
ARTICLE 29
(1) This regulation or acting contrary to the principles of insurance companies and agents of the Insurance Law 5684 of the second paragraph of Article 34 (j) of the administrative penalty should be applied.
Belonging to 2007 and 2008 tariffs
PROVISIONAL ARTICLE 1
(1) of the Insurance Law 5684, the first paragraph of Article 12 of this Regulation within the scope of the rates specified in this Regulation, are included in the appendix.
The principles to be applied in 2007 and 2008
PROVISIONAL ARTICLE 2
(1) the scope of the first paragraph of Article 15, provided they are off to 2007 guidelines prepared by the Union to be certified until 07/15/2007 will be sent to the Treasury. The guidelines approved by the Undersecretariat shall enter into force on 08.01.2007. 6-month period referred to in Article 16 on 1/1/2008 does not apply to the provisions to be implemented. This will come into force on the date until 11.30.2007 at the latest bids on the merits shall be submitted to the opinion of the Undersecretariat.
Tramer in 2007 will be made by checks
PROVISIONAL ARTICLE 3 (Amended: OG 6.2.2008-26779)
(1) until the date of 07/01/2008 as part of the third paragraph of Article 15 will be made by tramer control, compliance with the principles are taken into account.
PROVISIONAL ARTICLE 4 (Additional Item: RG 6.2.2008-26779)
(1) 07.01.2008 before the date vehicle operator of the adjective losers abroad with professional activity or because the task due to the tool, remove the operating ones of Article 10 and Article 12 provided for in terms of fulfilling the demand for the case of this Article shall apply.
PROVISIONAL ARTICLE 5 (Additional Article: RG 09.12.2009-27427, Effective: 01/01/2010)
In addition to table this regulation, to be effective from the date of 01.01.2010 with amendments added and defined a new type of vehicle will be renewed insurance policy through sale of the existing rights are protected.
Changing the period of insurance premiums
PROVISIONAL ARTICLE 6 (Additional OG 19.06.2013-28682)
(1) 4 üncümadd specified in the second paragraph of the premiums of the insurance companies determined to be unable to change the date for the six-month period up to 01.01.2014 is applied as 1 month.
force
ARTICLE 30
(1) of this Regulation;
a) The first paragraph of Article 4 of 1/8/2007,
b) Other provisions on the publication date,
enters into force.
execution
ARTICLE 31
(1) This Regulation shall be enforced by the Minister in charge of the Treasury.
The guidelines are listed below changes.
Regards
SAB-Insurance Agents Association
General Secretariat of the Board of Directors
Published in the Official Gazette: 14.07.2007 - 26582
Publishing Organization: Treasury (Prime Minister)
SECTION
Purpose, Scope, Basis and Definitions
Purpose and Scope
ARTICLE 1 (Amended OG 19.06.2013-28682) (Effective 01/01/2014)
(1) The purpose of this regulation is determined by the Minister in charge of the Treasury highways compulsory motor vehicle liability insurance rates freely determined by the insurance companies to regulate the procedures and principles.
(2) This Regulation highways compulsory motor vehicle liability insurance coverage; insurance premiums, insurance companies identified with the principles of the primary cuts and increases to the implementation of the minimum amount of insurance for motor vehicle-related professional activities with those race organizers have to have their liability insurance provisions related to covers.
basis
ARTICLE 2
(1) This Regulation, 06/03/2007, dated 5684 Insurance Law Article 12 and 12.09.1994 No 4059 dated Treasury and Foreign Trade Organization and Duties of the Law on Article 2 of the first paragraph (e) to has been prepared based.
Definitions
Article 3 (Amended OG 19.06.2013-28682)
(1) In this regulation;
a) Minister: the Minister in charge of the Treasury,
b) The Union (OJ different 19.06.2013-28682) Turkey Insurance, Reinsurance and Pension Companies Union,
c) (Repealed: RG 6.2.2008-26779)
d) Operator: 10.13.1983 dated and 2918 operating area defined in the Highway Traffic Act,
d) The Undersecretariat of Treasury,
e) Insurance company: Motor vehicles liability insurance branch of the insurance company that owns the license,
f) Insurance coverage: Traffic insurance provided under the collateral and treatment costs, disability and death assurances,
g) Traffic Insurance: In accordance with the Road Traffic Act 2918, which must be built highways for motor vehicle liability insurance,
i) (Amended OG 19.06.2013-28682) TRAMER: Traffic Insurance Information and Surveillance Center,
means.
PART TWO
Motor Vehicle singly
The determination of the principles of insurance premiums
Article 4 (Amended: OG 6.2.2008-26779)
(1) (Amended: OG-19.06.2009-27263) Traffic insurance premiums, insurance companies within the framework of this Regulation shall be determined freely.
(2) (Amended: OG-19.06.2009-27263) Insurance companies are obliged to act in accordance with the provisions of this Regulation. Insurance companies, subject to the provisions of Article 15 of this Regulation, including statements contained in the regulation of additional provinces by vehicle type may determine on the basis of the basic insurance premium freely. Insurance companies determine this amount, 10% of discount and increase the range of 20% to exceed freely increase and / or reduction can determine the cause. Insurance companies determine their premiums can not change 6 months ago. Undersecretariat increase the premium stated in this paragraph, or completely remove the upper limit is authorized to increase.
(3) have the same risk on behalf of an insurance company vehicles and / or for those who operate out of the same premium regulation of insurance contracts concluded are essential. "
Discounts and increase the implementation of
Article 5 (Amended: OG 6.2.2008-26779)
(1) No claim discount on premiums and damage due to premium increases due to the steps in this article are based on.
Step Number Discount% Increase%
7 20 -
6 15 -
5 10 -
4 - -
3 - 20
2-40
1-60
(2) Operating traffic will be going for the first time as a primary step increases and reductions are free.
(3) Insurance, which operates within the contract period Failure to pay any compensation for the subsequent insurance premium discount will be applied at the contract rate is determined based on a higher level. Occurring within the insurance period for the payment of any compensation to be applied in the subsequent contract of insurance premium rate increase is determined based on a lower rung.
(4) payment of compensation due to the premium reduction or increase the primary operator of the application will follow.
(5) A vehicle operator to more than one motor vehicle there, or more than one motor vehicle of an enterprise name or business name or under this undertaking interrupted by the ticket are operated each vehicle separately for insurance contracts made and to be implemented primary places each vehicle is determined separately for.
Submission of the required documents and should be kept
ARTICLE 6
(1) Primary care for the determination of the insured;
a) Sale of incurred but not yet on vehicles registered in the name of the notary bill of sale or invoice or other document that shows the process; to the previous owner of the vehicle a copy of vehicle registration; If the transport document,
b) made on behalf of registered vehicles; copy of vehicle registration, if any, transport document,
is obliged to submit.
(2) the insured to the insurer's latest policy information from the database can not be controlled by the insured in the event TRAMER recent policies of such insurance shall be submitted to the company.
(3) The insurance company, insured by the submitted documents and tramer receivable from injury status certificate, depending on the insurance contract applicable discount and raise rates belirler.p I care for the determination of vehicle sales shows the process of the document or vehicle registration by and in appropriate cases, the last policy eg submission of the possible failure of primary care, primary care with the highest increase in the premium rate is calculated by adding 10%.
(4) Insurance companies claim bonus or compensation due to premium increases applied in the case, the insurance contract on the injury status of the document date and the number of write and damage state documents, document or electronically at least three years is required to keep.
Timely renewal of insurance contracts
Article 7 (Amended: OG 6.2.2008-26779)
(1) Vehicle operating as of the date of expiry of those insurance contracts are obliged to renew. Vehicle operating from the date of expiry of the insurance contract renewal every 30 days to perform the following insurance contract premium, limited to 50% by the addition of 5% is calculated.
Discounts and increase the account)
ARTICLE 8 (Amended: OG 6.2.2008-26779)
(1) Discounts and raise rates, insurance premiums collected to apply but are applied in succession.
Tools and mandatory road transport operator of the adjective Acquiring liability insurance discount
Article 9 (-Başlığıyla- Amended: OG 6.2.2008-26779)
(1) Vehicle operator of the title winners won this title as of the date they are required to have auto insurance. From that date, the insurance contract is not fulfilled the obligation to do the following for each insurance contract premiums in thirty days, limited to 50% of the premium is calculated by adding 5%.
(2) subject to the Road Transport Law No. 4925 intercity and international passenger carriers, passenger bodily harm that may be required by law for this book Compulsory Liability Insurance Road Freight they are discounted by 20 percent in the case of certification. "
Vehicle operating loss of new adjectives
Article 10 (Repealed: RG 6.2.2008-26779)
The change in operating (Amendment 19.06.2013-28682 RG)
ARTICLE 11
(1) Insurance contracts, contracting araçişlet Panini will follow. In all cases where the changed operating current contract shall be automatically terminated as of the date of change and concerned premiums will be refunded on a daily basis. However, the current contract for the duration of the operating onbeşg from the date of the change without any processing and payment of premiums is also valid for the new operating.
(2) Operator, which has information about the new vehicle to the insurance company informs. Operating-claims to be the owner
discounts for vehicles in hakkıaynıtür continues. In the case of operating araçedin introduce different types premiums are determined according to the second paragraph of Article basamağı5. Artırımıuygulan primary will be held on a new contract for operating kaldığıyer continues from the primary step. "
Instruments issued abroad
Article 12 (Repealed: RG 6.2.2008-26779)
Short-term insurance
ARTICLE 13
(1) the insurance period is one year. However, the temporary plate vehicles, 10.07.2003 dated and 4925 numbered Law on Road Transport subject to international goods and passenger carriers and international multilateral or bilateral agreements falling under foreign license plates of vehicles in Turkey, the current international or bilateral agreements are accepted by insurance or their introduction to traffic insurance for Turkey's borders can be done during the short-term insurance. Short-term insurance, this does not apply to vehicles outside.
(2) Short-term insurance premium amount, calculated from the fourth digit of not less than 25% of the annual premium basis shall be determined by the day.
(3) Short-term insurance does not apply to claims bonus. However, due to damage to these contracts Compulsory Transport Insurance premium increases and discount is applied.
(4) Short-term insurance contracts issued following the new insurance contract claims discount does not apply in the case of the year.
Optional liability insurance
ARTICLE 14
(1) This regulation or determined by the Minister to give guarantees on the minimum amount of collateral, voluntary liability insurance of motor vehicles to be covered by the additional premium is permitted provided.
Tariffs are determined by the insurance company
Article 15 (-Başlığıyla- Amended: OG 6.2.2008-26779)
(1) Insurance companies with Article 4 of this Regulation and the increase in the range of discounts granted to them may determine, subject to the tariff. Tariffs, in the preparation of data on the sector in general in the eyes of TRAMER be taken into consideration and implemented at least 15 days before being sent to the Undersecretariat of TRAMER is essential. Company tariffs will be prepared by the actuarial report about the company official to be readily available for inspection at the company headquarters is stored. Justification for tariffs summary is transmitted to the Treasury by the companies.
(2) TRAMER sent to him tariffs, traffic on the existing damage and third party liability insurance premiums across the state by putting data on tariffs to be considered in the evaluation transmit to the Treasury.
(3) insurance policies TRAMER have to be organized through a database. Insurance companies, determined on the basis of provinces according to the type of vehicle insurance premiums according to data from the main database TRAMER traffic insurance policy can not be issued without preparation. Besides TRAMER compliance with the provisions of this Regulation within the scope of Article 4 and the increase of the range of discounts granted to companies that have exceeded the controls.
(4) The Union within the framework set by the Undersecretariat but are not binding tariff can prepare Traffic Insurance Guide. Tariff Guide is published on the website of the Union.
changes
Article 16 (Amended: OG 6.2.2008-26779)
(1) The Undersecretariat of insurance companies 4 in accordance with Article increase and reduction within the limits-determined amount of premiums to insurance companies financial structure, taking into account the sector of unfair competition prevention and insurance compliance with the principles in the framework of the above-mentioned period of time without regard to modify.
Public institutions and organizations of the traffic insurance auctions
ARTICLE 17
(1) (Amended: OG 6.2.2008-26779) Public institutions and organizations in the tender offer will be traffic insurance premium is determined by insurance companies as a freelance.
(2) under this clause traffic insurance insurance companies winning tenders, procurement tender information no later than 3 business days from the date sends tramer. TRAMER tender information on a monthly basis to the Treasury informs.
PART THREE
Businesses Related to Motor Vehicle Finds
guarantees
ARTICLE 18
(1) Motor vehicle-related professional activities undertaking of the owners, supervision, repair, maintenance, purchase - sale, vehicle modifications for the purpose or a similar purpose, he dropped a motor vehicle damage caused due to which they are subject responsibility for liability insurance are required to have.
Detection of primary
ARTICLE 19
(1) Premiums are determined freely by insurance companies and is charged in advance. Premiums in the determination of the insured risks affecting the other factors together with the supervision of the operator (parking-garage) and the purchase and sale of dealing with (auto dealerships) for businesses workplace tools location capacity, repair and maintenance of the undertaking (gar-service station) for businesses in the workplace constant number of employees based on accepted.
(2) the transfer of workplace activities, stop, or the like, in case of termination of the insurance contract terminated. The insurance company is entitled to the termination date of the insurance contract premiums are determined on a daily basis and will be returned to the Insured more.
PART FOUR
Race Organisers
guarantees
ARTICLE 20
(1) Race organizers, race participants and assist people during the race against third parties whose responsibilities to meet the racing or participating in the protests that accompanied them, and the race or at the demonstration of the tools used according to the type of this Regulation motor vehicle operators for the prescribed minimum benefits which includes liability insurance must be .
(2) Cycling participated in demonstrations collateral for bicycles, motorcycles or cargo bikes for those operating under the collateral can not be determined.
Detection of primary
ARTICLE 21
(1) Premiums on insurance companies and show organizers of the race shall be determined and shall be paid in advance.
Insurance period
ARTICLE 22
(1) The term of the insurance contract made before the race with racing and training also shall include proof.
SECTION
Miscellaneous and Final Provisions
information
ARTICLE 23
(1) in the insurance policy, the policy basis for the regulation of the causes and raise the discount name, along with rates and amounts must be shown legibly.
The amount of collateral to be applied to new contracts in force
ARTICLE 24
(1) This regulation determined by the amount of collateral all insurance contracts in force is applied without any additional premium.
(2) Insurance companies organized policy front sides of the "Agreement during the period of the Treasury The Minister in charge by the amount of collateral increased, if this policy written guarantees provided, any transaction without the need and additional premiums without new guarantees on the amounts will be valid." must write the phrase.
Records and information to be communicated to policy tramer
ARTICLE 25
(1) Insurance companies, online traffic generation must realize that insurance policy. (Amended: OG 9.12.2009-27427, Effective: 01/01/2010) Traffic Insurance Information Center on insurance policies that you create for each insurance Insurance Information and Computing Center Number Reference Number must be printed in a minimum 12 pt.
(2) insurance companies, auto insurance policy and damage data on the most one-day delay is obliged to transmit tramer.
Compulsory motor insurance stamp
ARTICLE 26
(1) Insurance companies, Turkey Insurance and Reinsurance Companies of the Union printed by the serial number and insurance company name and the insurance period, showing the Compulsory Traffic Insurance Stamp insured vehicle windshield to be glued insurance contract with the insured must give.
Clearing-house
ARTICLE 27
(1) more than one vehicle was involved in a traffic accident injured person, vehicle insurer or to any of the Insurance Act 5684, in cases provided for in Article 14 of assurance may wish to eliminate loss account applying. Paying expenses insurer or security account, the amount you pay may request to be shared in proportion to the responsibility.
(2) to be made under this Article subrogation claims dated 04.11.2007 and published in the Official Gazette No. 26490 Traffic Insurance Information Center of the second paragraph of Article 5 of Regulation (i) specified in the clearing house will be compensated through.
Privacy
ARTICLE 28
(1) insurance companies determinations made under Article 4 TRAMER Board members will not be in any way.
(2) TRAMER TRAMER with members of the Board of Directors during these tasks and duties of staff at the end of tramer not use the information communicated in any way, I can not share with someone. By TRAMER under this Article and under the responsibility of the Undersecretariat of people without public office deems appropriate confidentiality undertaking is taken.
sanctions
ARTICLE 29
(1) This regulation or acting contrary to the principles of insurance companies and agents of the Insurance Law 5684 of the second paragraph of Article 34 (j) of the administrative penalty should be applied.
Belonging to 2007 and 2008 tariffs
PROVISIONAL ARTICLE 1
(1) of the Insurance Law 5684, the first paragraph of Article 12 of this Regulation within the scope of the rates specified in this Regulation, are included in the appendix.
The principles to be applied in 2007 and 2008
PROVISIONAL ARTICLE 2
(1) the scope of the first paragraph of Article 15, provided they are off to 2007 guidelines prepared by the Union to be certified until 07/15/2007 will be sent to the Treasury. The guidelines approved by the Undersecretariat shall enter into force on 08.01.2007. 6-month period referred to in Article 16 on 1/1/2008 does not apply to the provisions to be implemented. This will come into force on the date until 11.30.2007 at the latest bids on the merits shall be submitted to the opinion of the Undersecretariat.
Tramer in 2007 will be made by checks
PROVISIONAL ARTICLE 3 (Amended: OG 6.2.2008-26779)
(1) until the date of 07/01/2008 as part of the third paragraph of Article 15 will be made by tramer control, compliance with the principles are taken into account.
PROVISIONAL ARTICLE 4 (Additional Item: RG 6.2.2008-26779)
(1) 07.01.2008 before the date vehicle operator of the adjective losers abroad with professional activity or because the task due to the tool, remove the operating ones of Article 10 and Article 12 provided for in terms of fulfilling the demand for the case of this Article shall apply.
PROVISIONAL ARTICLE 5 (Additional Article: RG 09.12.2009-27427, Effective: 01/01/2010)
In addition to table this regulation, to be effective from the date of 01.01.2010 with amendments added and defined a new type of vehicle will be renewed insurance policy through sale of the existing rights are protected.
Changing the period of insurance premiums
PROVISIONAL ARTICLE 6 (Additional OG 19.06.2013-28682)
(1) 4 üncümadd specified in the second paragraph of the premiums of the insurance companies determined to be unable to change the date for the six-month period up to 01.01.2014 is applied as 1 month.
force
ARTICLE 30
(1) of this Regulation;
a) The first paragraph of Article 4 of 1/8/2007,
b) Other provisions on the publication date,
enters into force.
execution
ARTICLE 31
(1) This Regulation shall be enforced by the Minister in charge of the Treasury.
9 Eylül 2014 Salı
From the Treasury (2012/9) 04.07.2012 Announcement
From the Treasury (2012/9) 04.07.2012 Announcement
INSURANCE CONTRACTS REGULATIONS RELATED TO THE IMPLEMENTATION OF INFORMATION ABOUT THE CIRCULAR III
As is known, 28.10.2007, published in the Official Gazette No. 26684 dated and Insurance Contracts Disclosure in the first paragraph of Article 5 of the Regulation; "The insurer's disclosure obligation, the Insured and the insurance contract by the insurer against people who want to be party to the oral and written form is fulfilled. It is essential to inform in writing to be done. However, the telephone, call center, internet and other communication tools remotely using marketing methods the insurance contracts as well as contractual parties as physical confrontation and work as required by the written disclosure, of the question whether, in cases where a written consent requirement may not be sought. However, the insurer is obliged to prove that carried a minimum of information. In this context, the process to do with the nature of the procedures and principles regarding the type of information is determined by the Undersecretariat. "Provision is superior.
This authority based by the Undersecretariat of the "Insurance Contracts Disclosure in the Regulation on the Implementation Circular II (2008/12 Circular No) the contract before the establishment of the consumers on time and correctly informed the main goals that the emphasis of the parties, the physical confrontation is not possible in cases where the provision of information may be sought in writing has been submitted. In this context, telephone conversations to be recorded, confirmed electronic mail, fax, registered mail, courier transport via the internet in sales disclosure form on the internet to view and from the customer electronically confirm receipt in case the distribution of information deemed to be made, has been assumed.
Published in the Official Gazette No. 27846 dated 14.02.2011 and on 01.07.2012, entered into force in 6102 of the Turkish Commercial Code "Lighting liabilities" caption in the first paragraph of Article 1423; "Insurers and brokers, insurance contracts before establishing the required review period also recognized condition that will be installed to the insurance contract all the information about the insured's rights of the insured, in particular should pay attention to the provisions, depending on the developments reporting obligations to the Insured shall give written notice. In addition, regardless of the duration of the contract insurance policy can be considered important in relation to the insured in writing events and developments to explain. ", Second paragraph; "Lighting is not awarded in the form description, the Insured, if not appealed within fourteen days of the conclusion of the contract, the contract will be made with the written policy requirement. Lighting is the description given by the insurer to prove that. ", Third paragraph; "Treasury, regulations of various countries, and in particular the European Union, taking into account the consumer disclosure statement determines the shape and content" provisions are superior.
Law No. 6102 of the first and third paragraphs of Article 1423 when considered together with the Undersecretariat of Treasury, in accordance with the aims of informing other written information to conclude that specify procedures. In this context, Insurance Contracts Relating to the Regulation on the Implementation of Information Circular II (Circular No. 2008/12) is still valid.
INSURANCE CONTRACTS REGULATIONS RELATED TO THE IMPLEMENTATION OF INFORMATION ABOUT THE CIRCULAR III
As is known, 28.10.2007, published in the Official Gazette No. 26684 dated and Insurance Contracts Disclosure in the first paragraph of Article 5 of the Regulation; "The insurer's disclosure obligation, the Insured and the insurance contract by the insurer against people who want to be party to the oral and written form is fulfilled. It is essential to inform in writing to be done. However, the telephone, call center, internet and other communication tools remotely using marketing methods the insurance contracts as well as contractual parties as physical confrontation and work as required by the written disclosure, of the question whether, in cases where a written consent requirement may not be sought. However, the insurer is obliged to prove that carried a minimum of information. In this context, the process to do with the nature of the procedures and principles regarding the type of information is determined by the Undersecretariat. "Provision is superior.
This authority based by the Undersecretariat of the "Insurance Contracts Disclosure in the Regulation on the Implementation Circular II (2008/12 Circular No) the contract before the establishment of the consumers on time and correctly informed the main goals that the emphasis of the parties, the physical confrontation is not possible in cases where the provision of information may be sought in writing has been submitted. In this context, telephone conversations to be recorded, confirmed electronic mail, fax, registered mail, courier transport via the internet in sales disclosure form on the internet to view and from the customer electronically confirm receipt in case the distribution of information deemed to be made, has been assumed.
Published in the Official Gazette No. 27846 dated 14.02.2011 and on 01.07.2012, entered into force in 6102 of the Turkish Commercial Code "Lighting liabilities" caption in the first paragraph of Article 1423; "Insurers and brokers, insurance contracts before establishing the required review period also recognized condition that will be installed to the insurance contract all the information about the insured's rights of the insured, in particular should pay attention to the provisions, depending on the developments reporting obligations to the Insured shall give written notice. In addition, regardless of the duration of the contract insurance policy can be considered important in relation to the insured in writing events and developments to explain. ", Second paragraph; "Lighting is not awarded in the form description, the Insured, if not appealed within fourteen days of the conclusion of the contract, the contract will be made with the written policy requirement. Lighting is the description given by the insurer to prove that. ", Third paragraph; "Treasury, regulations of various countries, and in particular the European Union, taking into account the consumer disclosure statement determines the shape and content" provisions are superior.
Law No. 6102 of the first and third paragraphs of Article 1423 when considered together with the Undersecretariat of Treasury, in accordance with the aims of informing other written information to conclude that specify procedures. In this context, Insurance Contracts Relating to the Regulation on the Implementation of Information Circular II (Circular No. 2008/12) is still valid.
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