13.11.2026 16:11
With the new regulation, citizens will be able to take out insurance directly from the insurance company during shopping without the need for an intermediary. Many areas have been covered, from white goods to phones and from concert tickets to pets. Making insurance a condition of sale has been prohibited. The institution expects nearly 10 million people to benefit from approximately 70 million policies in the first year.
The Regulation on Integrated Insurance prepared by the Insurance and Private Pension Regulation and Supervision Agency (SEDDK) was published in the Official Gazette and entered into force. The regulation paved the way for obtaining insurance instantly for the product or service purchased in online or in-store shopping.
PUBLISHED IN THE OFFICIAL GAZETTE
According to the statement made by the Agency, the spread of e-commerce, the growth of organized retailing, and the development of new sales models created an instant need for insurance products. The regulation, prepared to facilitate citizens' access to insurance at the moment of shopping and to prevent potential abuses in this field, was published in the Official Gazette dated November 12, 2026.
The Agency expects nearly 10 million citizens to benefit from insurance products with approximately 70 million policies in the first year under the regulation.
NO INTERMEDIARY WILL BE REQUIRED
According to the regulation, citizens will be able to purchase insurance products directly from the insurance company during online or physical shopping without the need for any intermediary.
In this context, insurance may be obtained against breakage, loss, theft, burning, malfunction, or any kind of damage to products such as white goods, electronic devices, phones, tablets, furniture, glasses, watches, clothing, household products, and cosmetics.
FROM CONCERTS TO WEDDINGS, FROM VISAS TO PETS
Coverage may also be offered against the inability to use, cancellation, interruption, or unauthorized use of services such as travel, transportation, accommodation, bill protection, cybersecurity, short-term car rental, gym membership, concerts, sports events, wedding and engagement organization.
Coverages for pets becoming ill, being stolen, and getting lost are also included in the regulation. Insurance required for residence permit and visa applications, as well as life, debt payment, and personal accident insurance linked to individual loans, were also included in the scope.
INSURANCE CANNOT BE A CONDITION OF SALE
The regulation also introduced measures against potential abuses in insurance transactions. Accordingly, insurance cannot be made a condition for purchasing a good or service. The sales conditions for a buyer who does not take out insurance cannot be changed to their detriment either.
NO POLICY CAN BE ISSUED WITHOUT APPROVAL
Rules have been set regarding pre-contract information, identity verification, and obtaining approval through secure methods. This prevents policies from being issued without the knowledge or approval of the insured.
CANCELLATION CAN BE DONE REMOTELY
The insured will be able to submit requests to terminate the contract through remote communication tools. If the contract for the purchased good or service terminates, the insurance will also terminate automatically.