Whatever you're wondering, there's a straight answer

Quotes are completely free and don't tie you to anything. If you look at the options and don't like them, that's the end of it; we won't chase you with pushy phone calls.

For car policies, the number plate and registration details are enough. For health cover, we need the date of birth and ID details of everyone to be insured, and for home insurance the address, gross floor area and type of construction. For business policies we also ask for the tax number and line of business.

Requests that reach us during working hours usually get a reply the same day. For products that need a risk assessment, such as health insurance, it can take a few working days if the insurer asks for extra information or documents.

You can pay by credit card, debit card or bank transfer. Instalment options vary by product and insurer, so when we send you a quote we also set out in writing the payment options available for that particular policy.

Your policy takes effect on the start date and time shown on it, and we can set that date later if it suits you. As soon as the policy is issued, it's e-mailed to you as a PDF; the digital copy is valid everywhere.

As a rule, the refund is worked out on the days you haven't used; if a claim has been paid on the policy, the refund terms may be different. Compulsory Traffic Insurance, Türkiye's mandatory motor third-party cover, can only be cancelled for a reason you can document, such as selling the car or having it scrapped.

Complementary health insurance pays the top-up fee that private hospitals contracted with SGK, Türkiye's social security institution, charge you, and it usually has a lower premium. Private health insurance works independently of SGK and offers a wider network of hospitals and a broader cover structure. Which one suits you depends on your budget and the hospitals you want to use.

Yes. For a complementary health policy to work, your general health insurance with SGK must be active and your treatment must start under SGK. If your SGK cover isn't active, we'll look at private health insurance options instead.

When you apply, you declare your medical history and the insurer carries out a risk assessment. The outcome may be full cover, an exclusion for that particular condition or an extra premium. Declaring everything fully is essential so you don't run into problems later when you make a claim.

Cover such as outpatient treatment usually applies straight away, but there's a waiting period for childbirth and some planned operations. The waiting periods are set out in the policy's special conditions, and we go through them with you one by one when we prepare your quote.

You can insure your spouse and children under the same policy. Family policies are usually easier to manage and tend to work out better on total premium than separate individual policies.

Health policies run for one year and are renewed annually. Your age band and medical inflation affect the renewal premium, and if you meet the conditions you can also earn a lifetime renewal guarantee. We'll remind you when your renewal date is coming up.

First make sure everyone is safe and call the emergency services if needed. Then take photos of the scene and the damage, and after a road accident fill in the accident report form in full. After that, call us and we'll handle the whole process together from start to finish.

You can report it directly to the insurance company, but it's usually easier to call us on 0850 303 28 66. We'll open the claim on your behalf, get the file number and follow up on the correspondence between the loss adjuster and the insurer.

Usually you'll need your policy details, a copy of your ID, photos of the damage and the IBAN for the payment. For car claims, add the accident report, the vehicle registration and your driving licence; for home claims, add a document recording the incident, such as a fire brigade or official report.

That depends on the repair terms of your policy. If your policy requires a contracted garage, you use one from the insurer's list and payment goes directly to the garage. If you have a free choice of repairer, you can have the work done wherever you like and add the invoice to your claim.

The insurer pays once the loss adjuster's inspection is complete and all the documents have been submitted. How long that takes depends on the size of the damage, how quickly fault is established and how fast the paperwork comes together. If your claim stalls, we take over chasing it.

Claiming for a small amount can cost you your no-claims discount at the next renewal. We can compare the repair cost with the discount you'd lose and work out together which makes more sense.