What is the Difference between Motor Insurance and Traffic Insurance?

Motor insurance is a non-compulsory type of insurance that is provided at the request of the vehicle owner. Traffic Insurance, on the other hand, is a type of insurance that is required by law to be obtained for every vehicle on the road. Consequently, if the motor insurance is not obtained, there is no sanction, while if the traffic insurance is not obtained, it leads to sanctions such as fines and bans from traffic. While motor insurance secures the vehicle owner and the vehicle, traffic insurance is an insurance that covers any material or physical damages you may cause to third parties.

What should I do when I have damage? What are the documents required for reporting damage?
A report based on agreement or a report by authorised institutions must be kept.
The first thing to do at the time of damage is to notify the insurance company without losing time.
The estimated amount of the damage and the event that caused the damage in question must be notified to the insurer within a reasonable and appropriate period of time.
The maximum damage notification period for the compensation of the damage covers 5 working days and certain documents are required for the notification of the damage.
If the vehicle is stolen, the competent authorities must be notified immediately as soon as the situation becomes known.

What is the No-Claims Discount, How Can I Benefit?
One of the most emphasised issues by the insured is the no-claim discount, which reduces the premium of your motor insurance policy by up to 65%.,
No-claim discount is a form of discount that comes into effect during policy renewal if there is no damage claim during the policy period.
When obtaining your motor insurance policy, you should consider the factors affecting the no-claims discount. Because the factors affecting this discount vary greatly depending on the insurance company and may lead to high premium differences in the following year's policy renewal. Therefore, it is important to know the factors that do not impair the no-claim discount when purchasing insurance.

What kind of damages do not affect my no-claim discount on my policy?
Knowing the no-claim discount practices of insurance companies at the time of policy purchase will allow you to act more accurately when you go out on the road and preserve your no-claim status.
No-claim discount follows the drivers. In other words, when you have a motor insurance policy for a vehicle you have purchased, you can use your earned no-claim discount right for your new vehicle.
The situations that do not impair no-claim status based on the most common damages are generally as follows.

100% Recourse Status: The only situation that is valid for all insurance companies and does not disrupt no-claim status is 100% recourse damages. 100% recourse damages are the damages in which the driver of the insured vehicle has no fault in the accident in which the insured vehicle is involved, that is, the other party is completely at fault. In such damages, the insured receives both the damage compensation from the insurance company and the discount right arising from the insured's policy is not affected. However, the fault of the insured must be documented with an official document such as a report or record and the party causing the accident must be identified.

Theft of Radio-Tape Recorder and Broken Windscreen Damages: Some insurance companies cover radio-tape theft and broken windscreen damages that occur within the policy term by preserving the no-claim discount for once a year. In this case, the insured's no-claim discount in the policy is not affected due to these damages. In some companies, on the other hand, there is no such practice, and the no-claim discount may be reduced or completely eliminated during the policy renewal period due to radio-tape theft and broken windscreen damages.

Mini damage: Some insurance companies cover damages such as abrasions, scratches and dents on the exterior and interior surfaces of the vehicle by preserving the no-claim discount. However, this practice is only available in some insurance companies. Some insurance companies ensure that such damages are covered with the mini damage coverage with the conditions and limits stipulated in the policy or its appendices and thus preserve the no-claim discount of their customers who benefit from this coverage. In general, all damages other than the types of damage mentioned above impair the no-claim discount of the policy and reduce the no-claim discount rate of the policy.