Sak Sigorta | Vehicle, Property, Health and Commercial Insurance

Operating in the Karabağlar district of İzmir, Sak Sigorta Aracılık Hizmetleri Ltd. Şti. has been providing personal and commercial insurance brokerage services since 2004. By collaborating with multiple underwriters, the agency helps policyholders evaluate coverage alternatives and match insurance products with their specific requirements. Sak Sigorta holds authorized agency representations for prominent insurance companies such as Hepiyi Sigorta and Koru Sigorta, sourcing comparative price and coverage proposals from up to 25 distinct insurance providers.

Motor Insurance Solutions
Vehicle protection covers financial liabilities and physical damages resulting from everyday road risks:
• Compulsory Traffic Insurance: A statutory requirement for all registered motor vehicles in Turkey, covering bodily injury and property damage inflicted on third parties up to established legal limits.
• Comprehensive Motor Own Damage (Kasko): Protects the vehicle owner against theft, fire, collision, overturn, vandalism, and various accidental hazards, with extended package options encompassing driver and passenger protections.

Residential and Natural Catastrophe Covers
Protecting residential properties and private assets from unforeseen disasters is central to the firm’s non-life services:
• Compulsory Earthquake Insurance (DASK): Administered under the Turkish Natural Disaster Insurance Pool, this policy compensates for direct property losses caused by earthquakes, as well as associated post-earthquake events such as landslides, fires, explosions, and tsunamis.
• Homeowners Insurance: Safeguards both residential structures and household belongings against a broad spectrum of perils, including theft, fire, interior water leaks, and flood, while incorporating legal liability protections toward landlords or neighboring properties.

Health, Travel, and Personal Accident Coverage
The agency assists individuals and families in managing unforeseen medical and life events:
• Complementary Health Insurance: Designed for individuals covered under the state social security system (SGK), paying difference fees for consultations, medical examinations, laboratory tests, and inpatient procedures at contracted private medical facilities.
• Travel Insurance: Provides emergency medical assistance, trip delay, and luggage loss coverage for domestic and international travel.
• Personal Accident Insurance: Offers financial protection through compensation payouts in the event of accidental death or permanent disability caused by sudden and external events.

Commercial, Marine, and Engineering Lines
For businesses, infrastructure ventures, and freight operators, Sak Sigorta arranges specialized commercial risk management products:
• Business Package Insurance: Offers comprehensive protection for commercial premises, covering external glass, interior fixtures, machinery, electronic equipment, and inventory against operational and property risks.
• Engineering and Construction All Risks (CAR): Shields building, civil engineering, and infrastructure operations—including highways, pipelines, dams, and utilities—from unpredictable material loss during the construction phase.
• Cargo and Marine Transport Insurance: Protects goods in transit via road transport, vessel, rail, or air against transit risks based on agreed contractual clauses.
• State-Supported Agricultural Insurance (TARSİM): Mitigates agricultural production risks by securing farmers and livestock breeders against climate-related losses, frost, storms, and epidemics.

Alongside policy sales, Sak Sigorta supports policyholders with online earthquake premium calculations, claims documentation guidance, and renewal notification services from its base in İzmir.