Ruhi Ciftci Sigorta Aracilik Hizmetleri operates as an independent insurance intermediary delivering risk management and policy coverage solutions for individuals, vehicle operators, and business enterprises. Backed by more than a decade of industry expertise, the brokerage is rooted in Gaziantep while maintaining a presence in Istanbul. The firm connects policyholders with coverage across motor, property, health, liability, transport, and engineering lines.
Motor Vehicles and Passenger Transportation
To address mandatory legal obligations alongside comprehensive vehicle asset protection, the brokerage facilitates policies spanning several motor categories:
• Compulsory Traffic Insurance: Covers third-party bodily injury and property damage resulting from traffic accidents within statutory limits.
• Comprehensive Casco Cover: Protects motor vehicles against collisions, rollovers, theft, fire, and malicious damage.
• Compulsory Seat Personal Accident Insurance for Passenger Transportation: Provides compensation for driver, crew, and passenger bodily injury or death during intercity or international road transit.
• Compulsory Road Passenger Transportation Liability: Protects licensed operators against statutory liabilities arising during commercial transit operations.
• Voluntary Third-Party Liability Insurance: Extends coverage beyond compulsory traffic policy limits to absorb high-value property or bodily injury claims.
Home, Life, and Healthcare Lines
Personal well-being and domestic property requirements are addressed through structured personal lines:
• DASK (Turkish Compulsory Earthquake Insurance): Provides legislated property coverage against structural damage caused by earthquakes, tsunamis, landslides, and related fires.
• Homeowners and Contents Insurance: Safeguards residential properties and household goods against hazards such as domestic water damage, fire, burglary, and extreme weather.
• Private and Complementary Health Insurance: Absorbs medical expenditures across contracted hospitals and clinics for inpatient and outpatient healthcare services.
• Travel Health Insurance: Covers unforeseen medical emergencies, doctor consultations, and repatriation during domestic or international voyages.
• Life Insurance: Provides financial stability and long-term security to beneficiaries in cases of untimely demise, critical illness, or permanent disability.
Commercial Enterprise and Engineering Risk Management
For commercial facilities, production plants, and logistics operators, a broad spectrum of commercial products addresses operational exposures:
• Commercial Fire Insurance: Protects business premises, machinery, inventory, and warehouses from devastation caused by fire, explosion, and smoke.
• Employer Liability Insurance: Covers compensation claims arising from workplace occupational accidents suffered by employees.
• Construction and Erection All Risks: Secures civil engineering projects, structural works, and industrial machine installation sites against accidental physical damage.
• Electronic Equipment and Glass Breakage Insurance: Compensates for sudden internal and accidental damage to workplace office systems, server racks, display windows, and glass structures.
• Cargo and Freight Insurance: Shields goods in transit against loss or damage across land, maritime, rail, and air freight routes.
• Valuables Transit Cover: Mitigates risks associated with the conveyance or holding of cash, securities, and negotiable assets.
• Theft and Business Interruption Policies: Offsets tangible losses from commercial burglaries as well as net revenue losses caused by operational standstills following insured damage.
• Public Liability and Hazardous Materials Liability: Provides protection against legal compensation demands made by third parties, including specialized mandatory liability for entities handling dangerous chemicals.
• Credit Default and Legal Protection Insurance: Shields corporate accounts against unrecoverable receivable risks and covers procedural legal costs in commercial disputes.
fire insurance