250 Million TL Requirement in Insurance
Official titleRegulation on the Amendment of the Regulation on Insurance Support Services
A requirement to obtain permission from the SEDDK and a minimum equity requirement of 250 million TL have been introduced for insurance support services, assistance, and claims management firms.
Before
The capital requirement was uncertain, and registration on a list could be deemed sufficient instead of SEDDK permission.
After
A 250 million TL minimum equity requirement, the obligation to be a Joint Stock Company, and the requirement to obtain prior permission from the SEDDK have been introduced.
Details of the Regulation
With this regulation amendment, the operating principles of organizations providing claims management, assistance (roadside assistance, emergency assistance, etc.), and claims investigation services to insurance companies have been restructured from the ground up. The most notable change is the requirement that firms providing these services must hold Joint Stock Company status and possess a minimum equity of 250 million TL. This amount shall be updated annually at the PPI rate. Furthermore, it is aimed to prevent conflicts of interest by prohibiting insurance intermediaries (agents and brokers) from providing support services, or support service providers from engaging in intermediation.
New criteria have also been established for claims investigators. Real person claims investigators are required to be authorized from at least a two-year higher education program, possess 2 years of experience in the sector, and complete the Insurance Training Center (SEGEM) training. Similar qualification requirements shall be sought for juridical person claims investigators. The SEDDK may request professional liability insurance or additional security from organizations providing these services.
The regulation envisages a gradual transition period for firms currently providing these services. Existing providers have been granted time until the end of 2028 to transition to the Joint Stock Company structure, and until the end of 2030 to fulfill the requirement of completing their capital. The operating permits of organizations that lose the qualifications or act in violation of the legislation may be revoked by the SEDDK.
Questions You Might Have
- Will existing assistance firms close down immediately?
- No, a gradual transition period has been granted until 2030 for capital increase, and until the end of 2028 for the transition to the Joint Stock Company structure.
- Is a diploma mandatory to become a claims investigator?
- Yes, a requirement to be authorized from at least a 2-year higher education program has been introduced; however, those currently performing this work will be able to continue their duties even if they do not hold a diploma.
- Can insurance agents provide assistance services?
- No, it has been strictly prohibited for those engaging in insurance intermediation to provide support services, and for those providing support services to engage in intermediation.
Key Terms
- Asistans Hizmeti
- The entirety of roadside assistance, emergency assistance, residential, or workplace assistance services provided to the insured.
- Hasar Araştırmacısı
- An expert person or organization investigating the cause, amount, and potential abuse situations of a claim/loss.
- Özsermaye
- The resource belonging to the partners/shareholders remaining after deducting liabilities from an enterprise's assets.
Affected Sectors
- Insurance
- Assistance services
- Automotive and roadside assistance
- Private investigation and research
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REGAS Commentary
The insurance sector is shifting into high gear regarding 'institutionalization' in the services it procures externally. The 250 million TL capital requirement will lead to the withdrawal from the sector or the merger of under-the-table or small-scale assistance/claims management firms. From the perspective of citizens, the fact that firms from which post-claim services are received (towing, repair organization, etc.) are more auditable and have stronger financial structures may increase service quality; however, this cost increase can be expected to be indirectly reflected in comprehensive and compulsory motor third-party liability insurance premiums.