TR · Expiry & renewal tracking
Don't miss your vehicles' motor liability insurance expiry dates
Compulsory motor liability insurance in Türkiye runs for one year, and the vehicle's operator must take out a separate policy for each vehicle (Tariff Regulation, Articles 13(1) and 5(5)). A vehicle without valid insurance is taken off the road, and the Law also provides for a fine (Road Traffic Law, Article 91).
Under Türkiye's Road Traffic Law No. 2918, vehicle operators must take out liability insurance to cover their liability under Article 85(1) of the Law. Vehicles without compulsory liability insurance at the applicable cover amounts are taken off the road (Law, Article 91).
Under the Regulation on Tariff Application Principles for Compulsory Motor Liability Insurance, the insurance term is one year; short-term insurance is possible only in the cases the regulation lists (Article 13(1)). Under the General Conditions, cover starts and ends on the start and end days and at the times written in the policy; if no time is written, it starts and ends at 12:00 noon Türkiye time (A.7).
At a glance
| Insurance term | 1 year (Tariff Application Principles Regulation, Article 13(1)) |
|---|---|
| Who takes it out | The vehicle's operator (Law, Article 91) |
| Without insurance | The vehicle is taken off the road (Law, Article 91) |
| Several vehicles | A separate insurance contract is made for each vehicle (Tariff Regulation, Article 5(5)) |
| If the vehicle changes hands | The contract ends automatically on the date of change; the premium is refunded pro rata by day (General Conditions, C.4) |
The regulation limits short-term insurance to the cases it lists: vehicles with temporary plates, international carriers subject to Law No. 4925, and foreign-plated vehicles covered by international agreements that have no insurance valid in Türkiye. The Insurance and Private Pension Regulation and Supervision Agency may reduce the term to as little as thirty days for contracts of used-vehicle dealers holding an authorisation certificate (Tariff Regulation, Article 13(1)).
Who is responsible?
The vehicle's operator (Law, Article 91). If the operator of an insured vehicle changes, the transferring party notifies the insurer within 15 days (Law, Article 94).
If the deadline passes
A vehicle without valid compulsory liability insurance is taken off the road; the Law also provides for a fine for those who breach this rule (Law, Article 91).
The no-claims step follows the operator, not the vehicle
If no claim is paid for the operator during the insurance term, the premium discount in the next contract is set one step higher; for each claim paid, the premium increase is set one step lower. This follows the operator (Tariff Regulation, Article 5(3) and 5(4)).
Tracking it with ExpirySuite
- Add each vehicle as a separate asset, upload the motor liability policy and enter the policy end date as the expiry date.
- Email reminders arrive 60, 30, 14, 7 and 1 days before expiry and on the expiry day, so you can plan the renewal before the policy ends.
- Assign the person who follows up renewals as the document owner; overdue records are also reported to managers on days 3, 7 and 14.
- You can request the renewed policy from your insurance agent through a secure link valid for 14 days, without them needing an account.
Frequently asked questions
- How long does Turkish compulsory motor insurance last?
- The insurance term is one year; short-term insurance is possible only in the cases the regulation lists (Tariff Application Principles Regulation, Article 13(1)).
- At what time does the policy start and end?
- On the days and at the times written in the policy; if no time is written, at 12:00 noon Türkiye time (General Conditions, A.7).
- What happens to a vehicle without this insurance?
- A vehicle without compulsory liability insurance at the applicable cover amounts is taken off the road (Road Traffic Law, Article 91).
- What happens to the policy when I sell the vehicle?
- When the insured changes, the existing contract ends automatically on the date of change and the premium is refunded pro rata by day (General Conditions, C.4). The transferring party notifies the insurer within 15 days (Law, Article 94).
- Can a fleet be insured under one policy?
- No. If an operator has several vehicles, a separate insurance contract is made for each vehicle (Tariff Application Principles Regulation, Article 5(5)).
Sources
- Karayolları Trafik Kanunu No. 2918 (Road Traffic Law), Articles 91 and 94 (mevzuat.gov.tr, in Turkish)
- Karayolları Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortasında Tarife Uygulama Esasları Hakkında Yönetmelik (Regulation on Tariff Application Principles for Compulsory Motor Liability Insurance), Articles 5 and 13 (mevzuat.gov.tr; last amended Official Gazette 27.12.2025, in Turkish)
- Karayolları Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortası Genel Şartları (General Conditions of Compulsory Motor Liability Insurance), A.7 and C.4 (mevzuat.gov.tr, in Turkish)
Last checked: Sep 30, 2026 · This page summarises official sources for general information and is not legal advice. Check the linked sources for current rules and fees.
Made for compulsory motor liability insurance (Türkiye)
A ready template for compulsory motor liability insurance (Türkiye) with sensible validity defaults, so you enter less and track more.
Reminders on time
Email alerts at 60, 30, 14, 7 and 1 day before each compulsory motor liability insurance (Türkiye) expires, plus overdue escalation to managers.
Assign an owner
Give each compulsory motor liability insurance (Türkiye) an owner and let employees update their own via a secure link — no login needed.