23.12.2025 10:15
New regulations for mandatory traffic insurance will come into effect on January 1, 2026. Good drivers will be rewarded, premiums for risky drivers will be increased, gaps in early policy renewals will be closed, and a limit will be imposed on the number of vehicles registered in an individual's name.
A new regulation is coming to address the long-discussed injustices in mandatory traffic insurance. With changes to be implemented starting January 1, 2026, it is aimed to prevent the costs created by approximately 1.2 million risky drivers from being reflected in the premiums of 22 million drivers. The regulation is based on a system that rewards good drivers while imposing higher premiums on risky drivers.
GRIEVANCES IN NEW VEHICLE PURCHASES ARE BEING ADDRESSED
Under the current system, drivers who purchase a new vehicle without selling their old one are forced to start their traffic insurance from the 4th tier, despite their claim-free history. This situation means a premium increase for claim-free drivers while providing an advantage to those frequently involved in accidents. With the new regulation, this injustice will be rectified. After 2026, when a new vehicle is purchased, the insurance will again initially be made from the 4th tier, but if the driver sells their old vehicle within a year, they will be able to return to their previous damage tier during the policy renewal period.
GAP IN EARLY RENEWAL IS BEING CLOSED
According to a report in Sabah; under the current application, drivers who renew their policy before its due date do not reflect any accidents that occur before the new policy comes into effect onto the new policy. This practice will end on January 1, 2026. An accident that occurs before the new policy takes effect for a driver who renews early will be taken into account in the next renewal, resulting in a tier drop and an increase in premium.
LIMIT ON NUMBER OF VEHICLES
Another notable point in the new regulation is the limit on the number of vehicles. The number of vehicles registered in the name of individuals will be limited to 5. After the fifth vehicle, meaning for the sixth and subsequent vehicles, the vehicle owner will be considered a legal entity, and traffic insurance will be made at a higher commercial rate. This step aims to clarify the distinction between individual use and commercial use.
THE AIM IS A FAIRER SYSTEM
With the new system, the risk profile of drivers will be reflected in premiums in a more up-to-date and accurate manner. Thus, while claim-free drivers are protected, a deterrent financial structure will be created for drivers frequently involved in accidents.