Insurance Guide for People Working in Maslak: Office Employees and Company Owners

Maslak is known for its business centres and office towers, and a large number of people commute there every day to work. If you are an international employee or an expat running a company here, your insurance needs usually come in two parts: the benefits your employer provides and the policies you arrange for your own life. For company owners the picture is wider still, because they need to protect both their family and their business. This guide sets out, in a simple order, where people working in Maslak should start.

As an office employee, first see what you already have

Many companies offer employees group health insurance or similar benefits. These are valuable, but they have limits: they may end when you leave the job, they may not include your spouse or children, and they may exclude certain treatments. So the first step is to ask your HR department for a summary of your policy and read who is covered, which treatments are included and at which healthcare providers.

For expats this matters even more, especially if your family lives with you in Türkiye. Once you have read the summary, the gaps become easy to see. If family members are not included, a separate health insurance policy for them may make sense. If you are curious how employers structure these policies, our group health insurance employer guide gives a useful overview.

Driving to work: traffic insurance and kasko

If you drive to Maslak every day, compulsory motor third-party liability insurance, known locally as traffic insurance, is not optional: under Law No. 2918, the Highway Traffic Law, every vehicle on the road must have valid traffic insurance. However, with heavy traffic, car park entrances and minor scrapes in multi-storey car parks, traffic insurance alone does not pay for damage to your own car. For that you need kasko, which is comprehensive motor insurance.

• Save your traffic insurance expiry date in your phone calendar.
• Check how your kasko policy handles damage inside car parks and glass damage.
• If you drive a car registered to the company, clarify whose name the policy is in.
• If you need a replacement car, ask whether the policy includes one.

You can compare options on our comprehensive car insurance page.

Company owners: insure the business itself

For company owners who have rented or bought an office in Maslak, the most commonly overlooked issue is the value inside the office. The building management’s policy usually considers the structure and common areas, not your desks, computers, server, files and fit-out. Business insurance fills this gap.

When a business policy is prepared, these headings are usually discussed:

1. Fixtures and electronic equipment: a list of computers, printers, network devices and similar assets.
2. Fit-out and renovation: partitions, flooring, lighting and other investments the tenant has made in the office.
3. Fire, water and theft: the conditions under which office-type risks appear in the policy.
4. Liability to third parties: harm that visitors to the office might suffer.
5. Employees: as headcount grows, group health and employer’s liability come onto the agenda.

Do not forget your home and family

Many people who work in Maslak live in other Sarıyer neighbourhoods or elsewhere in Istanbul, and as work gets busier, home insurance slips down the to-do list. For homes with a title deed, DASK, the compulsory earthquake insurance, is mandatory under Law No. 6305 and is requested for title deed transactions and for electricity and water subscriptions. DASK only covers earthquake damage to the building, up to a set limit; your belongings, flooding and theft need separate home insurance.

Practical advice for busy professionals: keep the expiry dates of all your policies in one list, ideally followed by one agency, so no renewal is missed.

What to prepare for a remote quote

You may want quotes without leaving the office, and a phone call or WhatsApp message is enough. Preparing the following in advance speeds things up:

• For a car: the ruhsat (vehicle registration) details and the expiry date of the current policy,
• For a home: the address, building details and any existing DASK policy,
• For a business: the office address, line of business and a list of fixtures,
• For health: details of the people to be insured and summaries of existing policies.

If you hold a residence permit, have your foreign ID number (Yabancı Kimlik No) ready, as it is used in place of a Turkish ID number. Working with several insurers, we put quotes side by side and review the differences in cover with you.

Common mistakes among people working in Maslak

• Forgetting health cover when changing jobs: the new employer’s policy may not start the day the old one ends, so plan the gap in advance.
• Treating a company car like a personal car: a policy for a company-registered car may carry different conditions depending on how it is used.
• Not telling the insurer about an office move: even within the same district, a change of address must be reflected in the business policy.
• Comparing quotes only on price: two policies that look the same can differ greatly in cover and deductibles.

Reviewing your policies together once a year, at renewal time, is the easiest way to avoid these mistakes.

If you work in Maslak or run your company here, our office at the Maslak Atatürk Oto Sanayi Sitesi is already on your way. You can also call +90 530 375 89 61 or message us on WhatsApp for quotes from several insurers, with support in English. Sigorta Maslak, part of Ailenizin Sigortacısı, has been doing this since 1996, and we will prepare your policy with you in plain language, without rushing.