Company Cars and Fleets: Managing Traffic Insurance and Kasko in Maslak

Tracking insurance for one car is easy. With several — or dozens — of company cars, it is a different job. Policies ending on different dates, kasko (comprehensive motor insurance) from different insurers and different cover levels make management complex. Many companies in Maslak, known for its business centres and office towers, face this with sales teams, service vehicles or management cars. International companies whose finance or HR teams are not familiar with Turkish motor insurance often find it hardest. Here is how to bring order.

The core problem: fragmentation

Company cars are usually acquired at different times, each insured under the conditions of that day. Over time you end up with policies ending on different dates with different cover. The consequences:

• a car’s traffic insurance expiring unnoticed,
• inconsistent kasko cover across the same company’s cars,
• claim files followed at different insurers by different people,
• policy steps forgotten when a car is sold or replaced.

Steps 1 and 2: inventory and a cover standard

First, put all vehicles in one list: plate, make and model, registered owner on the ruhsat (vehicle registration), the person using the car, traffic insurance end date, kasko end date and insurer. Even a simple spreadsheet makes renewal dates visible and removes a major risk. Whether the registration is in the company’s name or a partner’s matters too; the insured details must match the registration. Appoint one person to keep the list current the same day a car arrives, leaves or changes user.

Next, instead of deciding car by car, set a company cover standard — for example separate packages for management cars, field cars and light commercial vehicles. Consider:

• Excess liability (ihtiyari mali mesuliyet): extra protection for third-party damage above compulsory traffic insurance limits.
• Replacement car: so work continues while a car is being repaired.
• Roadside assistance and towing: fast help for a car stuck in the field.
• Glass, lights and minor damage: frequent on heavily used cars.
• Personal accident: additional protection for driver and passengers.

Our English guide on which casco extras are actually worth it shows when each option makes sense.

Step 3: simplify the renewal calendar

Gradually grouping renewals into set periods makes tracking easier. This does not mean cancelling policies early: as each policy expires and is reissued, renewal periods can be brought closer together. Fleet policies or bulk quotes from insurers can also be considered; terms vary by number of vehicles and insurer, so ask at quote stage.

Step 4: driver and claim rules

In company cars, the person in the accident is usually an employee, not the owner. Every driver should know what to do. Keeping policy details, the adviser’s phone number and a blank joint accident report form in each car is simple but effective. Routing all claim notifications to one person inside the company stops files getting lost and deadlines being missed. Make sure who drives the cars does not conflict with the policy; some policies include driver conditions, and licence and usage must fit them. This is worth checking for expat employees who drive on a foreign licence.

Treat claim records as information too. Tracking which cars, routes or drivers see more damage lets you act: reviewing glass cover for cars with frequent glass damage, or planning safe-driving training. Claims history can affect future quotes, so discuss whether to claim for minor damage with your adviser. A short year-end review helps set the right cover at the next renewal.

Step 5: manage vehicles coming in and going out

When a car is sold or replaced with a leased one, update the policies. Start the necessary steps for the sold car, and make sure the incoming car is insured the moment it is delivered. For leased cars, the contract should state clearly whether the leasing company or your company arranges insurance.

To manage all your cars in one place, see our comprehensive car insurance (kasko) in Maslak and compulsory traffic insurance in Maslak pages. As an agency working with several insurers since 1996, we can prepare comparative quotes for your fleet.

To share your vehicle list and get a fleet quote, call us on +90 530 375 89 61 or send a message on WhatsApp — our team offers English support. Our office is in Maslak Atatürk Oto Sanayi Sitesi.