GREENCARD INSURANCE

Tariff and Instructions Effective from January 1, 2010

With the insurance contract for the Green Card Certificate, the insurer, contrary to the exception stated in Article 2 of the General Conditions of the Compulsory Motor Vehicle Liability Insurance, guarantees the insured against liabilities arising from the operation of the motor vehicle in foreign countries within the Green Card System, of which the Turkish Motor Insurers’ Bureau (TMTB) is a member, within the compulsory liability insurance limits of the country where the incident occurred.

The following special conditions are primarily applied in Green Card implementations and disputes between the insured and the insurer.

I - ANNUAL PREMIUM TARIFF

 

(*) Except for Caravans (15), the definitions of vehicle groups are the same as those in the Tariff and Instructions for Compulsory Motor Vehicle Liability Insurance.

 

(**) The trailer vehicle group mentioned in this Tariff and Instructions refers to trailers not used for human transportation. Trailers used for human transportation are evaluated in the Other Vehicles category.

 

II - DISCOUNTS / INCREASES

Premium discounts for no-claim periods and premium increases for claims are applied according to the steps outlined in this section.

For those taking to the road for the first time as operators, the fourth step, which does not include premium increases or decreases, will be applied.

For insurance contracts that expired on or after January 1, 2009, if no claims were made during the expiring annual insurance period, the premium discount rate for the renewed insurance contract will be determined based on one step higher than the expiring contract.

Conversely, for each separate claim made during the expiring insurance contract period, the premium increase for the renewal will be determined based on one step lower than the expiring contract.

Policies effective as of January 1, 2009, are considered to be arranged on the fourth step.

If a claim is reported related to the expired policy period during the term of the current policy, the current policy will be adjusted without premium according to the situation, and this will be taken into account in the renewal policy at one step lower.

The premium discount or increase due to a claim follows the operator.

If an operator has multiple motor vehicles, or if multiple motor vehicles are operated under the title or business name of an enterprise or with tickets issued by the enterprise, a separate insurance contract must be made for each vehicle, and the applicable premium step is determined individually for each vehicle.

For determining the premium step, the insured must present the vehicle registration copy for vehicles registered in their name, the notary sales deed, invoice, or any required document requested by the insurance company for vehicles sold but not yet registered in their name.

If the insurer cannot verify the insured’s latest policy information from the TRAMER database, the insured must present a copy of the last policy to the insurance company.

Based on the documents presented by the insured and the claims status document obtained from TRAMER, the insurance company determines the applicable discount and increase rates for the insurance contract. If the necessary documents (sales deed, registration copy, last policy example) are not presented, the premium step is calculated based on the highest premium rate step.

Insurance companies must record the date and number of the claims status document on the insurance contract and retain the claims status documents, either in paper or electronic format, for at least three years if they apply a no-claim discount or a premium increase due to a claim.

Discount and increase rates are applied consecutively, not summed up.

No-claim discounts are not applied to short-term insurance and annual insurance contracts issued following short-term insurance. However, a premium increase is applied to these contracts due to claims.

III - SHORT-TERM PREMIUM TARIFF

In short-term insurance, the premium amount is determined based on the following rates, provided that it is not less than 20% of the annual premium calculated from the fourth step.

For insurance up to 15 days: 20% of the annual premium

For insurance up to 1 month: 25% of the annual premium

For insurance up to 2 months: 35% of the annual premium

For insurance up to 3 months: 45% of the annual premium

For insurance up to 4 months: 55% of the annual premium

For insurance up to 5 months: 65% of the annual premium

For insurance up to 6 months: 75% of the annual premium

For insurance exceeding 6 months: the full annual premium is charged.

This applies to all vehicle types except trailers.

 

IV - INSTRUCTIONS

1. Category of the Vehicle as Registered in the License:

The codes specified in the vehicle category code section of the above tariff will be written on the Green Card Certificates, and the codes mentioned in the vehicle group code section will be used for data transfer to the TRAMER system.

 

2. Single-digit days and months in the start and end date fields of the Green Card will be prefixed with a zero (e.g., 01.01.2009 instead of 1.1.2009).

 

3. For the issuance date of the second or subsequent Green Card, the issuance date should be considered as the start date, and the expiry date of the original Green Card should be taken as the end date.

 In cases where the insured is unable to return the original Green Card due to loss, theft, or other compelling reasons, the insured must provide the insurer with an official report detailing the lost or stolen Green Card in order to issue a new Green Card insurance certificate.

 

4. Original Green Cards that are voided by the insurer during issuance or canceled from the outset must be returned to the Turkish Motor Vehicle Bureau within 15 days following the issuance date.

 

5. Green Cards cannot be issued to foreign-plated vehicles if a foreign-plated vehicle's Green Card expires while in Turkey, a new Green Card can be issued for a maximum of 15 days. However, this Green Card will not be valid within the Turkish borders, and a separate Traffic Policy must be arranged for the time spent within Turkey.

 

6. While issuing endorsements and associated Green Card Certificates, the vehicle owner's name as per the registration must be included in the insured section, and the name and address of the operator must be mentioned immediately below with the statement "insured by." A notarized document proving that the person is the operator must be attached to the endorsement and kept by the relevant insurance company. The start date of Green Cards issued in the operator's name cannot be earlier than the start date of the rental agreement (at least a one-year notarized rental agreement is required to consider the operator's status).

 

7. Multiple trailer Green Cards can be issued based on one tractor plate provided they belong to the same operator. The expiration date of a trailer attached to a tractor must match the tractor's expiration date.

 

8. Trailer Green Cards can be issued based on the Green Card of a tractor belonging to the same operator, provided the periods of validity fall within the tractor's Green Card validity. If the insurance company issuing the Green Card ceases to be a member, additional trailer Green Cards can be issued by any member.

 

9. Green Cards cannot be transferred to another vehicle or person under any circumstances, including traffic bans and notarial sales.

 

V - CANCELLATION PROCEDURES

1. The insurance contract terminates from the date of the notary sales deed. The policyholder must notify the insurer of the sale within ten days. The insurer will terminate the contract from the date of the notary sale and refund the premium for the unused period on a daily basis.

 In the event of the vehicle being withdrawn from traffic (license cancellation), the insurance contract will also terminate from the date of the official transaction as per the above rules.

 If the insured/operator/policyholder changes, the existing insurance contract will be absolutely terminated and cannot be continued under the new operator/insured's name.

 

2. Except for notary sales and vehicle withdrawal from traffic registration, short-term Green Cards and Green Cards with a period exceeding six months from the issuance date cannot be cancelled, and no premium refunds can be made.

 

3. When canceling a Green Card Certificate for a tractor, the Green Cards for all attached trailers must also be canceled, and the cancellation request must be evaluated together with the attached trailer Green Cards.

 

4. Green Card insurance premiums are collected in advance.

 

5. Insurance companies are required to issue Green Card insurance policies online and through TRAMER and to record Green Card insurance data in the TRAMER system in real-time.

 

FINAL PROVISIONS 

Matters not covered here will be governed by the applicable provisions of the Highway Traffic Law and the General Terms of Compulsory Motor Vehicle Liability Insurance.

 

APPLICATION

This tariff and instructions apply to new or renewal Green Cards issued from January 1, 2009, and to transactions and disputes that may arise after the effective date of this tariff for previously issued Green Cards.