Corporate insurance advisory across Türkiye

Claims & Support

We are by your side when you have a claim

You can report a claim directly to the insurer's claims line, or call us first so we can manage the process together. We follow your file from notification and survey to indemnity payment.

Call us first

Let us clarify together which documents are needed and how to report the claim, and follow your file with the insurer.

Step by step

What to do when a loss occurs

  1. 01

    Ensure safety

    Ensure everyone is safe first; call 112, the fire brigade or the police if needed. Take reasonable steps to prevent further damage.

  2. 02

    Document it

    Photograph the damage, the scene and relevant documents; keep accident reports, official reports and delivery notes complete.

  3. 03

    Report the claim

    Report the claim as soon as possible by calling the insurer's claims line or us. Keep your policy number at hand.

  4. 04

    Let us manage it together

    We follow your file with the insurer through surveyor appointment, document completion and indemnity payment.

By line of business

What to watch out for by type of loss

Motor accident (Casco / Traffic)

  • Complete the accident report form and sign it with the other party; call the police if there is a dispute, injury or suspected alcohol use.
  • Photograph the vehicles, plates, scene and damage.
  • Keep the registration, driving licence and policy details at hand; report the claim before sending the vehicle for repair.

Cargo loss

  • If there is damage or shortage at delivery, note a reservation on the delivery document (CMR, bill of lading, delivery note).
  • Notify the carrier in writing; keep the damaged goods and packaging until the surveyor inspects them.
  • Gather the invoice, packing list, transport documents and photos.

Fire, water and property damage

  • Notify the relevant authorities (fire brigade, police, etc.) and request their reports where available.
  • Prevent further damage; do not discard damaged goods or start repairs before the surveyor arrives.
  • Prepare a list of damaged assets with invoices and photos.

Frequently asked claims questions

Should I report the claim to the insurer or to Kum Sigorta?

Either is possible. You can call the insurer's claims line directly or call us first; in both cases we follow your file with the insurer.

How long do I have to report a claim?

Claims should be reported without delay once the loss is known. Time limits in the general conditions vary by line of business; since late notification may affect the indemnity, we recommend reporting as soon as possible.

When is a surveyor appointed?

After notification, the insurer appoints a surveyor depending on the nature of the loss. It is important not to discard damaged goods or start repairs before the survey is completed.

When is the indemnity paid?

It depends on the surveyor's report and the complete submission of the required documents. We help you complete the documents and follow the payment with the insurer.

Let's analyse your risks together

We review your current policies free of charge and show you coverage gaps and savings opportunities.