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Third Party Insurance
Posted: Mon 24 Mar 2025 10:45 am
by Hair Cut
I found out this morning that the government has put the minimum cost of third-party insurance at 5000tl.
I know this is still less than the UK, but the increase for me is 53% which is a big jump.
The other thing is more and more cars will be on the road with No Insurance.
I have heard of two instances of people being hit by drivers with No Insurance and in both occasions the Police would not get involved in insisting that the culprits pay for the damage.
All cars caught with No Insurance should be seized on the spot and held for 14 days and if a valid policy is not produced it's Sold or destroyed.
Re: Third Party Insurance
Posted: Mon 24 Mar 2025 9:20 pm
by Kagan
Sadly, what you say is correct. Also the third party insurance payouts are capped - which means serious damage is not properly covered regardless of fault. And comprehensive insurance is 2-3 times the price of the UK.
Re: Third Party Insurance
Posted: Mon 24 Mar 2025 10:42 pm
by alphamike
I'm hardly surprised that insurance has gone up, due to the ridiculously high amount of accidents here, as well as inflation. I've never had 3rd party, always fully comp, so not a clue what 3rd party cost in the first place. Again, no idea of what cost of insurance is now in UK, I do know that it used to be much less here, but the price suddenly jumped 2 or 3 years ago.
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 5:34 am
by frugal90
To give you a comparison I pay £160 fully comp protected no claims in the UK for a 2016 honda jazz
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 8:02 am
by a1sysman
alphamike wrote: ↑Mon 24 Mar 2025 10:42 pm
…
I've never had 3rd party, always fully comp, so not a clue what 3rd party cost in the first place.
…
Are you sure about that?
As l understand it, a third party policy is mandatory here.
A fully comp policy does not include third part cover here.
To purchase a fully comp policy one must also purchase (be in possession of) a third party policy.
It’s an oddity l know, fully comp in UK includes a third party element, here not so.
Go check with your motor insurance broker.
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 8:36 am
by alphamike
a1sysman wrote: ↑Tue 25 Mar 2025 8:02 am
alphamike wrote: ↑Mon 24 Mar 2025 10:42 pm
…
I've never had 3rd party, always fully comp, so not a clue what 3rd party cost in the first place.
…
Are you sure about that?
As l understand it, a third party policy is mandatory here.
A fully comp policy does not include third part cover here.
To purchase a fully comp policy one must also purchase (be in possession of) a third party policy.
It’s an oddity l know, fully comp in UK includes a third party element, here not so.
Go check with your motor insurance broker.
Yikes! I had no clue about that and I honestly don't know. Am sure that my insurance broker will have kept me right on that though and I just haven't noticed. I'm due my renewal soon, so will be seeing insurance broker this week or next.
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 8:45 am
by alphamike
frugal90 wrote: ↑Tue 25 Mar 2025 5:34 am
To give you a comparison I pay £160 fully comp protected no claims in the UK for a 2016 honda jazz
Aha, well then yes it is more expensive here. My latest quote is around £246.
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 11:11 am
by benjaminbutton
I bought a car and Third Party came with it. Insurance company would not supply Full Comp as car was 11 years old. Three days ago I had an accident (am not going into detail but witnesses said it was absolutely not my fault and nothing I could have done to avoid it) However police determined as she was motionless and and I was going quarter of a mile an hour or even less. it was entirely my fault. The usual crowd gathered and English, English, English was bandied about. Police said it was entirely my fault and I had to sign a form to the effect. I have to go to the garage where their car is being dealt with (no one can see a thing) and I have to pay all the work on my car . Not going into detail but its costly. Not going in to further correspondence. Sorry, just a word of warning if you're not local!!
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 2:48 pm
by snd1966
benjaminbutton wrote: ↑Tue 25 Mar 2025 11:11 am
I bought a car and Third Party came with it. Insurance company would not supply Full Comp as car was 11 years old. Three days ago I had an accident (am not going into detail but witnesses said it was absolutely not my fault and nothing I could have done to avoid it) However police determined as she was motionless and and I was going quarter of a mile an hour or even less. it was entirely my fault. The usual crowd gathered and English, English, English was bandied about. Police said it was entirely my fault and I had to sign a form to the effect. I have to go to the garage where their car is being dealt with (no one can see a thing) and I have to pay all the work on my car . Not going into detail but its costly. Not going in to further correspondence. Sorry, just a word of warning if you're not local!!
Maybe that's why our broker says say nothing call me.
Sorry to hear your news, always has been my opinion and why I really hate driving here now, too many now to keep out of way of.
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 3:46 pm
by Kanonier
It's worthwhile investing in a Dash cam nowadays.
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 5:32 pm
by alphamike
Really sorry to hear that BB, I hope that you are ok.
Like snd, I've heard this before, and of certain people getting the blame, but things surprisingly change with the mention of a dashcam. It used to be lovely to drive about here, but nowadays it's a rare day not to see some idiotic driving and have to take evasive action. I absolutely hate driving here now, and avoid driving in the dark unless totally necessary.
.
Re: Third Party Insurance
Posted: Tue 25 Mar 2025 6:06 pm
by frugal90
Kanonier wrote: ↑Tue 25 Mar 2025 3:46 pm
It's worthwhile investing in a Dash cam nowadays.
Agree, I have one
Re: Third Party Insurance
Posted: Wed 26 Mar 2025 6:14 am
by steveodp
Yes, third party is compulsory, you then choose to add fully comp. The former is usually charged in lira, and latter in pounds sterling. We have to go through the payment process for each one when paying by card.
Re: Third Party Insurance
Posted: Fri 28 Mar 2025 7:10 am
by alphamike
a1sysman wrote: ↑Tue 25 Mar 2025 8:02 am
Are you sure about that?
As l understand it, a third party policy is mandatory here.
A fully comp policy does not include third part cover here.
To purchase a fully comp policy one must also purchase (be in possession of) a third party policy.
It’s an oddity l know, fully comp in UK includes a third party element, here not so.
Go check with your motor insurance broker.
Went to pick up car insurance yesterday. Yes I do have 3rd party as well as fully comp. Learn something new every day. Knew if it was compulsory as you said, I would be bound to have it, was just unaware. Slow learner, only been here 15 years.
Re: Third Party Insurance
Posted: Fri 28 Mar 2025 7:14 am
by alphamike
steveodp wrote: ↑Wed 26 Mar 2025 6:14 am
Yes, third party is compulsory, you then choose to add fully comp. The former is usually charged in lira, and latter in pounds sterling. We have to go through the payment process for each one when paying by card.
I've only ever paid one fee, that I can remember, so obviously added together. I normally pay in TL. Been with the same agent for years and I trust them. Only problem I had yesterday was their machine didn't like my Chase card, but Revolut worked fine.
Re: Third Party Insurance
Posted: Fri 28 Mar 2025 8:35 am
by a1sysman
alphamike wrote: ↑Fri 28 Mar 2025 7:14 am
I've only ever paid one fee, that I can remember, so obviously added together. I normally pay in TL.
From my experience, fully comp charged in GBP and third party charged in TL. Two separate polices and each policy document provided in both Turkish and English languages.
If you were charged a single fee, in TL, may l ask how much you were charged please?
Also, do you have two copies of the policy, one in English and on in Turkish? The Turkish written policy is the only one recognised in law here.
The English written policy document, does it state “full comprehensive” or similar wording?
Re: Third Party Insurance
Posted: Fri 28 Mar 2025 8:45 am
by alphamike
A1 will get back to you later re above. Was 12122 TL total for Toyota Vitz.
Re: Third Party Insurance
Posted: Sat 29 Mar 2025 8:40 am
by alphamike
A1, yes 2 policies in Turkish and English. English document does state comprehensive.
Am having problems with quote function this morning for some strange reason.
Re: Third Party Insurance
Posted: Sat 29 Mar 2025 11:34 am
by a1sysman
alphamike wrote: ↑Sat 29 Mar 2025 8:40 am
A1, yes 2 policies in Turkish and English. English document does state comprehensive.
Am having problems with quote function this morning for some strange reason.
Thanks very much for the info.
I would be interested in getting a quote from your broker when time comes to renew vehicle insurance.
I have heard premiums have increased considerably and it may well pay to shop around, like for like cover of course.
Re: Third Party Insurance
Posted: Sat 29 Mar 2025 12:24 pm
by alphamike
a1sysman wrote: ↑Sat 29 Mar 2025 11:34 am
alphamike wrote: ↑Sat 29 Mar 2025 8:40 am
A1, yes 2 policies in Turkish and English. English document does state comprehensive.
Am having problems with quote function this morning for some strange reason.
Thanks very much for the info.
I would be interested in getting a quote from your broker when time comes to renew vehicle insurance.
I have heard premiums have increased considerably and it may well pay to shop around, like for like cover of course.
You are welcome.
Wow quote function working now for me, was probably me being stupid and not enough coffee this morning.