Statement from SEDDK regarding "Direct insurance in shopping"

According to the statement made by the institution, the spread of electronic commerce, the growth of organized retailing and the development of new sales models have brought about an instant need for insurance products.

The Regulation on Integrated Insurance, which was prepared to facilitate citizens' access to insurance products while shopping and to prevent abuses that may arise in this field, came into force after being published in the Official Gazette dated 12 November 2026.

With the regulation, it is expected that nearly 10 million citizens will benefit from approximately 70 million policies and insurance products in the first year.

Within the scope of the regulation, citizens will be able to obtain insurance products directly from the insurance company during online or physical shopping, without the need for any intermediary.

In this context, risks related to breakage, loss, theft, burning, malfunction or any other damage to products such as white goods, electronic devices, phones, tablets, furniture, glasses, watches, clothing, household products and cosmetics can be covered by insurance.

In addition, insurance coverage may be offered against risks such as unavailability, cancellation, interruption or unauthorized use of services such as travel, transportation, accommodation, bill protection, cyber security, short-term vehicle rental, sports center memberships, concerts, sports competitions, wedding and engagement organizations.

In addition to guarantees regarding the risks associated with illness, theft and loss of pets, insurances that must be presented in residence permit and visa applications, and life, debt payment and personal accident insurances in connection with personal loans are also included in the scope of the regulation.

With the regulation, measures to prevent abuses that may occur in insurance transactions were also implemented.

In this context, it was prevented that insurance was made a condition of purchasing goods or services and that the sales conditions were changed to the detriment of the buyer due to not purchasing insurance.

By determining the principles regarding pre-contract information, identity verification and obtaining approval through secure methods, the issuance of policies without the knowledge or approval of the insured has been prevented.

In addition, principles have been determined for the submission of requests for termination of the contract via remote communication tools and for the automatic termination of insurance in cases where the contract for goods or services is terminated.