No-claim Discount


(To issue No-claim Discount Certificate) Click Here

What is the no-claim discount?
It is a discount granted to a customer if his / her history record is free from any claims together with meeting all the necessary conditions for such discount.

To whom will discounts be applicable?
Discounts will be applicable to every insured person who wants to have compulsory third party insurance provided that a period of at least 11months have passed since the beginning of the effective date of the insurance policy without any claims registered. Discount will be applied to the new or renewed insurance policy.

What are the conditions to be met for no-claim discount?
Discount will be available to each insured vehicle which has no change made on its property along with not breaching any of the following criteria:
1- The insured vehicle shall have no claims history record.
2- The interruption period of the insurance coverage shall not exceed thirty (30) calendar days for the same vehicle.
3- The insured vehicle's owner shall not be changed.

How no-claim status will be proved?
A customer will be entitled to a no-claim certificate to be issued by the insurer. For facilitating verification of the insurance date, a unified database has been developed in order to enable the companies which have their business in vehicle insurance to obtain information about the insured person having his / her advance written consent obtained in order to determine whether he / she is entitled to such discount, and the insured person is not required to bring whichever proves the same by himself.

What is the ratio of no-claim discount?
In case the necessary conditions for such discount met, the following table will be applied:

Will such discount be applicable to whoever has his / her insurance coverage interrupted even it were for a short period?
Yes, it will be applicable, provided that such interruption period shall not exceed at most thirty (30) days from the expiry date of the insurance policy.

Will the discount be applicable to whoever owns more than one vehicle? What is the vehicle to which such discount will be applicable?
Each vehicle will be individually treated according to its insurance history record.

Will the discount be applicable to the last price a customer had?
The discount will be based on the basic price approved by the company at the time the insurance policy issued or at the insurance renewal date?

Can I transfer the discount from a vehicle to another?
No, the discount cannot be transferred from a vehicle to another; however, it is available to the insured vehicle's claims history record relating to the insured person's history record.

Is the discount relating to the insured person?
No, it is relating to the insured vehicle's claims history record associating to the insured person's record.

Is the discount relating to the insured vehicle?
No, it is relating to the insured vehicle's claims history record associating to the insured person's record.

If I am eligible to a no-claim discount for one of my vehicles, can I utilize it for another vehicle belongs to me?
No, the discount is relating to the insured vehicle's claims history record associating to the insured person's record.

Will there be a rise in prices regarding persons previously made accidents?
Yes, insurance price will rise for each insured person who previously made accidents as his / her insurance record contains risk.

Can I raise the discount ratio in consideration of absence of claims?
Yes, if the loyalty discount conditions met.

Will the discount be applicable to taxis?
No, it will not.

Will the discount be applicable to commercial trucks?
No, it will not.

May the person who buys a used vehicle whose record including accidents utilize the discount applied at ACIG Co.?
The used vehicle will be treated as a new vehicle, thus, the discount will not be applicable.

Will the price applied at ACIG Co. rise for a person who has previous history of accidents but his / her vehicle is completely new?
Price may rise.

Can one of my family members take advantage of such discount (e.g. son, daughter or wife, etc.)?
No, the discount will be applicable to the insured person relating to the insured vehicle.

Will there be more discounts applied at ACIG in the coming years?
There is a gradation in discounts for a person who has no claims starting from one to three years.

Till when will discounts be applicable?
With the beginning of current April, discounts will be applicable to each insured person whose insurance policy has been made since over one calendar year including no claims. Such advantage ratio will be increased in the second and third years of insurance provided that the insurance coverage interruption does not exceed thirty (30) calendar days for the same vehicle.

What are the ways for filing complaints at ACIG Co.?
Via the company's telephone, e-mail or website

What is loyalty discount?
It is an additional discount ratio which may be decided by the company to be provided to customers in case their insurance policies were renewed at ACIG Co. and the eligibility conditions were met.

How much is the loyalty discount ratio?
Loyalty discount ratios will vary if applicable at the company's own discretion.

(To issue No-claim Discount Certificate) Click Here
(To view quotation) Click Here