There is no loyalty bonus worth the money in Turkish insurance. Re-comparing at renewal is normal practice, and it is the single easiest saving available to most households. Three things are worth handling carefully.
1. Do not leave a gap
The new policy should start the day the old one ends. Even a day uninsured is a day you are exposed, and on motor cover a lapse can cost your no-claims step.
2. Compare like with like
A cheaper premium for narrower cover is not a saving. Line the policies up on the same cover set — excess, replacement car, glass, natural events — before comparing prices.
3. Carry your history across
Your claims record and no-claims step follow you. Make sure the new insurer has them, because a quote priced without them is not the quote you should be accepting.
Where health policies are different
Health insurance is the one place where switching needs real care. A new insurer may treat conditions that developed during your previous policy as pre-existing. Before moving a health policy, get that specific point in writing.