Required Documents in Case of a Claim

DOCUMENTS REQUIRED FOR COMPREHENSIVE INSURANCE CLAIMS

  • Traffic Accident Report / Agreed Accident Report / Statement and Witness Report
  • Declaration in cases where there is no report or official record
  • Accident scene photos
  • Copy of Vehicle Registration
  • Copy of Driver’s License
  • Alcohol Report
  • If it is a two-vehicle or chain traffic accident, copies of the driver’s license, vehicle registration, and traffic insurance policy of the other vehicles involved
  • Repair invoice if the repair has been completed
  • Consent from the insured for payment if there is a lien on the vehicle
  • IBAN information

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

IN CASE OF VEHICLE THEFT:

  • Police report of the theft
  • Documents from the police station and auto theft bureau stating that the vehicle has not been found (if not found within 30 days from the date of theft)
  • Original vehicle registration with “stolen” stamp
  • Consent from the insured for payment if there is a lien on the vehicle, along with a notarized document confirming the removal of the lien
  • Tax clearance certificate
  • Letter from the traffic registration office confirming the removal of the vehicle from the traffic registry
  • Power of attorney (to be obtained from our company)
  • Original and spare keys
  • Notarized power of attorney

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

CLAIMS FOR THEFT OF RADIO – TAPE PLAYER

In the event of the theft of a radio or tape player, the insurance coverage provided for the radio or tape player in your policy will be terminated. Therefore, if you install a new radio or tape player, additional coverage must be added to your policy.

  • Police report and witness statement
  • Copy of Vehicle Registration
  • Consent letter from the relevant institution if there is a lienholder (Dain-i Mürtehin)
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DIMINISHED VALUE CLAIMS

  • Diminished value claim declaration
  • Odometer reading (KM) of the damaged vehicle
  • Traffic Accident Report or Agreed Accident Report
  • Copy of Vehicle Registration and Driver’s License
  • Photos of the vehicle from the incident (including other vehicles involved in the accident)
  • Expert report related to the repair
  • Repair invoice
  • IBAN information
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GLASS BREAKAGE CLAIMS

  • Police report or declaration
  • Invoice (if no expert was sent)
  • Photos related to the damage
  • Copy of Vehicle Registration
  • Copy of Driver’s License
  • IBAN information

DOCUMENTS REQUIRED FOR TRAFFIC ACCIDENT CLAIMS

FOR PROPERTY DAMAGE:

  • Traffic Accident Report or Agreed Accident Report
  • Alcohol report
  • Photos of the accident scene (including other vehicles involved)
  • Copy of the damaged vehicle’s registration
  • Driver’s license of the driver of the damaged vehicle
  • IBAN information

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

IN CASE OF DEATH:

  • Traffic Accident Report
  • Alcohol report
  • Post-mortem examination and autopsy report
  • Burial permit
  • Certificate of Inheritance
  • Family registry record
  • Official document showing the deceased’s occupation and income

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

IN CASE OF INJURY:

  • Accident report
  • Hospital discharge report
  • Medical expenses
  • In case of permanent disability, a board report from a fully equipped hospital indicating the degree of disability
  • In case of permanent disability, a document showing the occupation and monthly income of the disabled person

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

DOCUMENTS REQUIRED FOR FIRE CLAIMS
  • Fire department report
  • Statements and witness reports prepared by the police
  • Claim form
  • Detailed declaration if the fire was extinguished by the insured before spreading
  • Accounting records (Invoices, fixed asset records, trial balance, inventory records), VAT declaration
  • Title deed or rental contract
  • Prosecutor’s indictment and non-prosecution decision
  • Photos of the damage
  • Consent from the lienholder if there is a lien on the property
  • Tax certificate
  • Quotes and invoices related to the repair of the damage
  • IBAN information

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

IN CASE OF STORM DAMAGE:

  • Meteorological report (Winds with a speed exceeding 17.1 meters per second at a height of 10 meters, equivalent to “7 Beaufort,” are considered storms)
  • Insured’s declaration and claim letter
  • Title deed or rental contract
  • Photos of the damage
  • Tax certificate
  • Quotes and invoices related to the repair of the damage
  • IBAN information

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

IN CASE OF INTERNAL WATER DAMAGE / FLOOD DAMAGE:

  • Detailed declaration describing the damage
  • Claim form
  • Copy of title deed or rental contract
  • Quotes and invoices related to the repair of the damage
  • If it is a business, accounting records (invoices, fixed asset records, trial balance, inventory records), VAT declaration
  • Photos of the damage
  • Tax certificate
  • IBAN information

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

IN CASE OF THEFT DAMAGE:

  • Insured’s police report and witness statement
  • Claim form
  • Accounting records (Purchase invoices for the stolen items, trial balance as of the date of the loss if it is a business)
  • “Not Found” letter from the relevant police station if the stolen items have not been recovered after 30 days
  • Photos of any damage caused by the theft

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

ENGINEERING

FOR ELECTRONIC EQUIPMENT INSURANCE CLAIMS:

  • Insured’s statement and relevant reports related to the incident
  • Technical service report (indicating the cause of the damage)
  • Fire department report if the damage was caused by a fire
  • Police report and “Not Found” letter if the damage was caused by theft
  • Purchase invoice of the damaged equipment
  • Photographs
  • Repair invoice if repairs have been made
  • Maintenance contract and periodic maintenance records

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

CONSTRUCTION INSURANCE CLAIMS

  • Insured’s statement and relevant reports related to the incident
  • Summary of findings, progress payment reports
  • Contract between the employer and the contractor
  • Provisional acceptance certificate if provisional acceptance has been made
  • Project and contract documents
  • Photographs
  • Official documents related to the nature of the incident (e.g., fire department report for fire damage, prosecutor’s indictment/non-prosecution decision, police report and witness statements for theft, “Not Found” letter, meteorological report for storm damage, etc.)
  • Fixed asset records for site damages

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

MACHINE BREAKDOWN INSURANCE CLAIMS

  • Insured’s statement and relevant reports related to the incident
  • Technical service report (indicating the cause of the damage)
  • Repair and replacement quotes related to the damage
  • Purchase invoice of the damaged equipment
  • Photographs
  • Repair invoice if repairs have been made
  • Maintenance contract and periodic maintenance records
  • For mobile or movable machinery: operator’s certificate, operator’s employment notification, and registration documents

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

ERECTION ALL RISKS INSURANCE CLAIMS

  • Insured’s statement and relevant reports related to the incident
  • Summary of findings, progress payment reports
  • Contract between the employer and the contractor
  • All quotes and expenses related to the repair of the damage
  • Photographs

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

LIABILITY

THIRD-PARTY LIABILITY FOR PROPERTY DAMAGE

  • Original reports issued by official authorities, if available; if not, written statements from the insured and the claimant describing how the damage occurred
  • Information/documentation proving the insured’s liability
  • Repair quotes or repair invoice if the repair has been completed
  • Claim letter specifying the damage
  • Photographs
  • IBAN information

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

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EMPLOYER LIABILITY CLAIMS

In Case of an Accident:

  • Workplace accident report
  • Social Security Institution (SGK) Workplace Accident Notification Form
  • Official statements and witness reports related to the cause of the damage
  • Claim letter
  • Epicrisis report (medical summary)
  • Court expert report
  • Payroll
  • SGK employment notification
  • Occupational safety inspector reports

In Case of Disability:

  • Document showing income status
  • Hospital board report
  • Disability report
  • Original prescriptions/invoices

In Case of Death:

  • Burial permit
  • Document showing income status
  • Post-mortem examination and autopsy report
  • Certificate of Inheritance
  • Family registry record

For Treatment Claims:

  • Disability report
  • Original invoices/prescriptions

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

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PERSONAL ACCIDENT CLAIMS

General:

  • Claim letter
  • Epicrisis report (medical summary)
  • IBAN information

In Case of Death:

  • Burial permit
  • Post-mortem examination and autopsy report
  • Certificate of Inheritance
  • Family registry record
  • Document showing income status
  • If the insured’s death was due to a traffic accident: Traffic Accident Report and Alcohol Report if the insured was the driver

In Case of Disability:

  • If the insured’s disability was due to a traffic accident: Traffic Accident Report and Alcohol Report if the insured was the driver
  • Document showing income status
  • Hospital board report
  • Original prescriptions/invoices

For Treatment Claims:

  • Original prescriptions/invoices

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

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CARGO CLAIMS

For Domestic Shipments:

  • Insured’s/Policyholder’s written statement regarding the damaged goods
  • Original or copy of the policy
  • Original or copy of the goods invoice
  • Original or copy of the shipment waybill
  • Copy of the freight (transportation) invoice
  • Traffic accident report / alcohol test (if there was a traffic accident)
  • Any official reports issued by authorities regarding the damage
  • Damage assessment report (including the truck/trailer license plate and the driver’s signature)
  • Damage Notification letter sent by the insured/policyholder to the carrier via notary (Notice)
  • Signature circular
  • Photos of the damaged goods
  • Insured’s bank information
  • IBAN information
  • Any additional documents deemed necessary by the insurer depending on the nature of the claim

For International Shipments:

  • Insured’s/Policyholder’s written statement regarding the goods
  • Original or copy of the policy
  • Original or copy of the goods invoice
  • Bill of lading for sea transport, consignment note or CMR for international road transport, airway bill for air transport, railway bill for rail transport
  • Customs import declaration (in case of import)
  • Customs export declaration (in case of export)
  • Damage assessment report (including the carrier’s signature)
  • Any official reports issued by authorities regarding the damage
  • Packing list
  • Transport contract, copy of the freight (transportation fee) invoice
  • Damage Notification letter sent by the insured/policyholder to the carrier via notary (Notice)
  • IBAN information
  • Photos of the damaged goods
  • Insured’s bank information
  • Any additional documents deemed necessary by the insurer depending on the nature of the claim

For Domestic Carrier Liability Insurance Claims:

  • Insured’s/Policyholder’s written statement regarding the damaged goods
  • Original or copy of the policy
  • Original or copy of the goods invoice
  • Original or copy of the shipment waybill
  • Copy of the freight (transportation) invoice
  • Traffic accident report / alcohol test (if there was a traffic accident)
  • Any official reports issued by authorities regarding the damage
  • Damage assessment report (including the truck/trailer license plate and the driver’s signature)
  • Photos of the damaged goods
  • Documents related to the transport vehicle
  • Invoice and letter from the goods owner holding the carrier responsible for the damage under legal liability
  • IBAN information
  • If available, a copy of the cargo insurance policy for the goods or a declaration from the goods owner that there is no cargo insurance policy
  • Insured’s bank information

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

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DOCUMENTS REQUIRED FOR VESSEL DAMAGE CLAIMS
  • Insured’s statement
  • Seaworthiness certificate
  • Meteorological report
  • Salvage quotes
  • Deck, engine, and radio logs
  • Repair and other expense invoices
  • Minimum safety certificate for ship equipment
  • Photos of the damage

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

PRODUCT LIABILITY CLAIMS

  • Claim letter from the damaged party to the insured
  • Information regarding the product that caused the damage
  • Assessment, opinions, and information from the manufacturer regarding the issue
  • Documents for determining the extent of the damage (e.g., expert report, court expert report, etc.)
  • In case the parties cannot reach an agreement and the matter is taken to court, the court ruling
  • If a payment has been made by our insured based on the court ruling, the execution order and payment receipt

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

FIDELITY (EMPLOYEE DISHONESTY) CLAIMS

  • Insured’s statement detailing the amount claimed, the nature of the incident, and bank details for compensation payment
  • Employment notification form (Social Security registration) of the employee who committed the act of dishonesty
  • Employment contract
  • Payroll
  • Criminal complaint filed with the Public Prosecutor’s Office
  • Document detailing the outcome of the investigation conducted by the Prosecutor’s Office
  • Written and signed statement of the employee taken before the Prosecutor or otherwise
  • Witness statements
  • Documents related to any bonuses, incentives, or other entitlements earned by the employee from the start of employment until the date of the incident
  • Accounting records and documents showing the amount embezzled
  • Document/notice of the employee’s dismissal
  • Documents and information related to any deductions made from the employee’s pay or amounts recovered in cash or otherwise in relation to the loss

The above documents are standard, but additional documents may be requested depending on the nature of the claim.

LOSS OF PROFIT CLAIMS

General Documents:

  • Corporate Tax Returns and their annexes for the three years preceding the date of loss
  • Provisional Tax Returns and their annexes for the three years preceding the date of loss
  • Budget for the year prior to the date of loss and the budget for the year in which the loss occurred
  • Certified Public Accountant’s Certification Report of Corporate Tax Returns for the three years preceding the date of loss
  • Capacity Reports for the three years preceding the date of loss
  • Official inventory book for the three years preceding the date of loss
  • Investment Incentive Certificates
  • Independent Audit Reports for the three years preceding the date of loss

Accounting Documents:

  • Balance Sheets and Income Statements (submitted to the Tax Office) for the three years preceding the date of loss
  • Provisional Tax Returns and their annexes, Income Statements, and detailed general ledgers showing costs for the three years preceding the date of loss
  • Monthly detailed general ledgers (non-cumulative) for the three years preceding the date of loss
  • Monthly detailed general ledgers (non-cumulative) for the one-year period prior to the date of loss
  • Value Added Tax Returns for the three years preceding the date of loss

Planning and Costing Documents (Management Accounting Documents):

  • Information on the production cost system used for the damaged machines as of the date of loss and the documents related to this cost system
  • Detailed stock lists related to production; if unavailable, non-accounting lists of volume-profit analyses of the machines as of the date of loss
  • Detailed lists of the unit and amount of stocks at the beginning of the period, as well as at the start and end of the loss date (also in detailed general ledgers)
  • Detailed physical stock count lists for the three years preceding the date of loss

The above documents are standard, but additional documents may be requested depending on the nature of the claim.