In consideration of the applicable premium, the Insurer provides coverage for the risks expressly stated in this Policy and its Policy Schedule, subject to the agreed limits, exclusions and conditions.
The Policyholder shall pay the applicable premium through an officially authorised payment channel of the Insurer. Coverage and the consequences of non-payment shall be determined by the Policy and applicable Turkish law.
Any insured loss must be reported to the Insurer within the applicable notification period. Claims will be assessed based on the Policy terms, supporting documents and applicable Turkish legislation.
The Insurer shall not be responsible for losses arising from fraud, intentional acts, excluded risks, events outside the Policy Period, or other exclusions expressly stated in the Policy Schedule.
The Policy may be cancelled or terminated in accordance with its terms and applicable Turkish insurance legislation. Any applicable premium refund shall be calculated according to the Policy and legal requirements.
This Policy shall be governed by the laws and applicable insurance regulations of the Republic of Türkiye.