The Optional Financial Liability Insurance compensates the damages caused by the insured vehicle to third parties in the event of an accident in excess of the limits of the traffic insurance and the limits of the Optional Financial Liability coverage included in the compulsory traffic insurance, if any, and the moral indemnity claims limited/unlimitedly according to the limits/coverages.

• Optional Financial Liability Coverage
• Claims for moral damages
• Legal protection guarantee
• Cover for towing to unauthorised persons

Unlimited Optional Financial Liability Insurance covers compensation claims for material and bodily damages caused to third parties in cases exceeding the coverage limits of compulsory traffic insurance.

No, Optional Financial Liability Insurance is not compulsory. IMM insurance can be added to the compulsory traffic insurance or car (kasko) insurance policy.

Optional Financial Liability Insurance covers material damages or bodily damages caused by the vehicle owner to third parties. In cases where the limits of compulsory traffic insurance and car (kasko) insurance are not sufficient, it covers the damages caused to the other party in the event of an accident.

Yes, you can get your policy online on our IMM insurance page. You can get an IMM insurance quote and buy your policy with your licence plate and Turkish ID number.

IMM Insurance covers material and physical damages within the limits specified in the policy in cases where traffic insurance is not sufficient.

Yes, moral indemnity claims are covered within the limits if included in the insurance policy.

• Notify the insurance company within five working days at the latest in the event of an accident that is not covered by the compulsory traffic insurance.
• Take the necessary rescue and protection measures and report all incidents to the insurance company in full.
• In case of damage, the damaged part shall be replaced with a new one if it is not possible to repair it or if it is not possible to replace it with an equivalent part.
• In chain accidents, Optional Financial Liability provides coverage per vehicle. Claims for compensation of damages arising from motor vehicle accidents are time-barred within two years starting from the date the injured party learns about the damage and the indemnity obligor, and in any case within ten years starting from the day of the accident.

The following conditions are excluded from IMM Insurance coverage:

Claims for damages incurred by the driver and operator of the vehicle while driving and operating the vehicle Losses incurred by the insured Claims for damages caused to the vehicle in the relationship between the owner and the operator of the vehicle Claims arising from the breakdown, damage and loss of the vehicle shown in the policy and the goods carried by this vehicle (passenger baggage and similar goods are covered) or towed goods Claims for damages caused by the stolen or hijacked vehicle for which the operator is not liable according to the Highway Traffic Law, and claims for damages incurred by passengers who boarded the vehicle knowing that it was stolen and/or hijacked All kinds of claims for damages caused by the vehicle after the vehicle has been left to the undertakings operating for the purpose of surveillance, repair, maintenance, purchase-sale, modification of the vehicle or for a similar purpose Claims for damages and losses incurred during participation in speed races and training on the race route Damages caused by vehicles used in terrorist acts specified in the Anti-Terrorism Law No. 3713 and sabotage arising from these acts Claims for damages and losses arising from the carriage of explosive and flammable materials (excluding reserve fuel oil)