FAQs

? What is the difference between mandatory traffic insurance and comprehensive car insurance?

Mandatory traffic insurance covers damages you cause to third parties (based on fault ratio). Comprehensive insurance protects your own vehicle against risks such as theft, fire, glass damage, and natural disasters. At Elitler Sigorta we tailor coverage to your needs.

? Does DASK (earthquake insurance) alone protect my home?

DASK is mandatory and covers limited earthquake-related damages. Home insurance can also cover fire, theft, water damage, storms, glass breakage, and optionally household contents. We customize the policy based on your property and risk profile.

? What should I check before buying private health insurance?

Key items are waiting periods, pre-existing condition exclusions, network hospitals, annual limits, deductibles, co-payments, and inpatient/outpatient coverage. We help you choose the plan that matches your budget and lifestyle.

? Who is supplementary health insurance (TSS) suitable for?

It is generally suitable for people covered by the public system and helps reduce extra charges at contracted private hospitals. Eligibility and pricing depend on age, residence, and health history.

? What does business insurance typically cover?

Business policies may include fire, theft, electronics, stock, glass, flood/water damage and more. You can strengthen protection with third-party liability and business interruption add-ons, depending on your operations.

? What do ‘mini repair’ and ‘replacement car’ mean in comprehensive insurance?

Mini repair covers small damages (scratches, paint touch-ups, dents, minor glass repairs) within certain limits, often without affecting no-claim status. A replacement car provides temporary mobility during repairs, depending on the package terms.

? Is travel health insurance required for a visa, and what does it cover?

For Schengen applications it is often required and must meet specific limits. Travel health insurance generally covers emergency treatment, hospital costs, medical transport and related assistance during your trip. We help you select the right scope for your destination.

? What should I do in case of a claim?

First ensure safety and contact authorities if needed. For car accidents, prepare the report and take photos; for home/business damages, preserve evidence for assessment. Then contact Elitler Sigorta so we can file the claim and manage documents quickly.

? Can I pay in installments? What payment options are available?

Many products allow installment payments via credit card or lump-sum payment. The number of installments depends on the insurer and bank terms. We clarify the best option during the quote stage.

? How do I choose the most suitable insurance? Do you compare offers?

Yes. We compare coverage, deductibles, service network, assistance services, and overall value—not just price. We transparently review offers from multiple insurers and help you choose the most suitable policy.