The Insurance and Private Pension Regulation and Supervision Agency of Türkiye has implemented rules allowing consumers to buy insurance directly from insurers, without intermediaries, when purchasing goods or services online or in physical stores. The framework combines wider access with safeguards against compulsory insurance purchases and policies issued without consent. Nearly 10 million consumers are expected to obtain approximately 70 million policies in the first year.
Eligible coverage includes damage, loss, theft and breakdown of consumer goods, alongside risks involving the cancellation, interruption or unauthorized use of services. Other categories include cover for pet illness, theft or loss and insurance required for residence permit and visa applications. Life, debt repayment and personal accident insurance linked to personal loans are also included.
Insurance cannot be made a condition of purchasing goods or services, and sellers cannot worsen sales terms for customers who decline coverage. The rules require information before contracting, identity verification and consent obtained through secure methods. Consumers can submit termination requests through remote communication channels, and insurance ends automatically when the underlying goods or services contract terminates.