Frequently asked questions

An agent represents one insurance company and sells its products. A broker represents you and compares the market. We hold direct agreements with more than 30 insurers and place you with whichever one fits, rather than with whichever one we work for.

No. The same policy bought directly from the insurer costs exactly the same. A broker's income comes from the insurer, not from a charge added to your premium, which is why the comparison is free.

No — and the reason is commercial. Our business runs on renewals; 98% of clients stay with us. Placing someone badly to earn more once would destroy exactly what the business depends on. You also see the comparison, so you can check the recommendation against it.

Yes. We work in Turkish and English daily, with both individuals living in Turkey and international companies operating here. Say at the outset that you would prefer English and your adviser will work in English throughout.

Yes. Zenith Sigorta Aracılık Hizmetleri Ltd. Şti. is registered on the TOBB broker register and supervised by SEDDK, the Turkish insurance and private pension regulator. Our register number is in the footer of every page.

Tell us what you need — by phone, email or live chat. We ask enough questions to compare properly, then come back with the offers side by side rather than with a single figure.

It depends on the product. For a car it is the registration and the driver details; for a home, the address, size and construction; for health, age and medical history; for a business, what you actually do and where. We will ask for exactly what is needed and not more.

Straightforward personal lines usually come back the same day. Business placements take longer because they are negotiated rather than quoted from a tariff — we will tell you at the start what to expect.

No. A quote is an offer, not a contract. Nothing starts until you confirm and the premium is paid.

Yes, and we would rather you did. You see which insurers were approached, what each offered and on what terms. If the recommendation does not follow obviously from that table, ask us why.

By email, as a PDF, together with a plain-language summary of what it covers and what it does not. Keep the policy number somewhere you can find it quickly.

On most products, yes. The number of instalments and whether a card charge applies varies by insurer; we show the options at the quote stage.

Normally when the policy is issued and the first payment is made. Cover cannot be backdated to before the policy was written, which is why it is worth arranging before rather than after.

Before every renewal we re-scan the market. If the same cover is available for less elsewhere, we tell you. Nothing renews automatically without you seeing what the alternatives were.

Most policies can be cancelled, with the unused premium refunded on a pro-rata basis less any deductions set out in the policy. Compulsory covers such as traffic insurance and DASK have their own rules.

On motor policies a claim moves you down the no-claims scale, which raises the next premium. On other lines it depends on the claim and the insurer. We tell you what a claim will cost you at renewal before you decide whether to make it.

One message is enough. Extra cover, a change of address, a new vehicle, adding someone — all of it is done by endorsement and your adviser handles it with the insurer.

Tell us before the move. Home and contents cover is tied to the address, and a policy pointing at your old flat does not follow you to the new one.

Kasko is endorsed onto the new vehicle with the premium adjusted. Traffic insurance follows the vehicle rather than the driver, so the timing at transfer matters — talk to us before the sale completes.

Yes, more than most people expect. Business policies cover the activities described in them. A new activity that has not been declared can fall outside the cover entirely.

No. DASK covers earthquake damage to the structure only, up to a limit set each year, and pays nothing for your belongings. Fire, theft and water damage sit outside it entirely. Home insurance is what closes those gaps.

Traffic insurance is compulsory and pays for damage you cause to other people. Kasko is optional and pays for damage to your own car. Neither replaces the other.

Foreign nationals applying for or renewing a residence permit must hold valid health insurance. Not every private health policy is accepted for this purpose, so tell us that is what the cover is for and we will place you on a product that qualifies.

SGK gives you state hospitals and covers part of the cost at contracted private hospitals. Private health insurance is what gets you into private hospitals without the difference falling on you. Complementary health insurance sits between the two at a lower cost.

Your own belongings and your liability. The structure is the landlord's responsibility, but a burst pipe that floods the flat below can quickly become yours.

Often yes, but the terms vary widely — some insurers exclude it, some accept it with a loading, some after a waiting period. This is the single strongest reason to compare rather than accept the first quote.

Business clients get a dedicated account manager and a separate discipline — group health and life, fleet, cargo, construction and engineering, liability. Personal clients get a single adviser. Both sides keep one point of contact.

It varies by insurer; some write groups from a handful of people. We check which insurers are comfortable at your size before approaching the market.

That is the normal starting point for construction and engineering work. Send us the insurance clause and we build the placement to satisfy it, rather than quoting a standard product and hoping it fits.

SGK pays its own scale of benefits and then has a right of recourse against the employer where fault is established. Employer liability is what stands between that recourse claim and the company.

Thresholds differ by insurer and are often lower than operators expect. The benefit is not only administrative: a fleet is rated on its own claims record rather than vehicle by vehicle.