SEDDK's statement noted that in the news of some press and media organs it was noted that the no-claims discount in compulsory traffic insurance was made independent of the vehicle and is fully tied to the driver, and that when purchasing a second vehicle, instead of the entry step, the insured's advantageous step is applied.
The statement emphasized that in accordance with the Road Traffic Act and relevant legislation, the legal liability for the operation of motor vehicles lies with the operator of the motor vehicle and that the mandatory traffic insurance policies are issued in the name of the operator. “Since in current practice it is not possible to obtain traffic insurance specifically for the driver when a person owns more than one vehicle, the drivers who will use the vehicles are not taken into account when issuing the policy. This leads to the fact that for our citizens who have more than one vehicle, the next insurance policies begin from the 4th step.” Expressions were used.
The statement reminded that citizens can transfer their no-claims discount right to their new vehicle when changing vehicles and provided the following information:
“The new regulation, which will come into force on January 1, 2026, refers first to the purchase of a new vehicle and then to the sale of the vehicle in the advantageous level and in these cases offers the possibility of transferring the advantageous level to the new vehicle. In this context, insured persons who sell their vehicles in the advantageous level from January 1, 2026 can request a level correction when they contact their agencies or insurance companies. If no application is made, the correction will be made in The question is carried out automatically by the system during the renewal period of the policy. The same application is made subsequently. “It also applies to insured persons in the first step.”
The statement said that alternative model studies on operator-independent driver-based insurance regulation would be meticulously carried out together with relevant stakeholders in order to implement a system that differentiates more clearly and fairly between good drivers and risky drivers in traffic insurance.
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