Terms & Conditions

1. About us

This website, ikametsigorta.com, is owned and operated by Ikamet Limited, a company registered in England and Wales ("we", "us", "our"). Insurance services in Turkey are provided through our Turkish operating entity, İKAMET SİGORTA ARACILIK HİZMETLERİ LİMİTED ŞİRKETİ, a licensed insurance intermediary regulated by SEDDK (Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu).

"Ikamet Sigorta" is a registered trademark of Ikamet Limited. All rights in this name, brand, and associated intellectual property are reserved.

2. Acceptance of terms

By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use this website. We may update these terms from time to time; continued use of the site constitutes acceptance of any revised terms.

3. Nature of our services

Ikamet Sigorta is an insurance intermediary (broker). We do not underwrite or issue insurance policies directly. Our services include:

• Providing information about insurance products available in Turkey
• Collecting quote requests and submitting them to licensed Turkish insurers on your behalf
• Assisting with insurance applications and documentation
• Providing customer support in English, Turkish, Russian, and Arabic

All insurance policies are issued by regulated Turkish insurance companies. We act as an intermediary, not as the insurer. Your contract of insurance is with the relevant insurer, not with Ikamet Sigorta.

4. Quote requests

Submitting a quote request through this website does not constitute a binding insurance contract or guarantee of cover. A quote is indicative only. Final premiums and terms are subject to confirmation by the relevant insurer and may vary from any initial estimate.

You are responsible for providing accurate and complete information in your quote request. Providing false or misleading information may invalidate any policy issued or result in claims being denied.

5. Fees and remuneration

We may receive commission from insurers for policies arranged through us. This does not affect the premium you pay. We do not charge separate broker fees for standard consumer policies unless explicitly stated in writing.

6. Information accuracy

We take care to ensure the information on this website is accurate and up to date. However, insurance products, prices, and regulations change frequently. We cannot guarantee that all information is current at any given time.

Nothing on this website constitutes legal, financial, or tax advice. For advice specific to your circumstances, please speak to a qualified professional.

7. Third-party links

This website may contain links to third-party websites, including insurer websites and partner platforms. We are not responsible for the content, accuracy, or privacy practices of any third-party sites. Links are provided for convenience only.

8. Intellectual property

All content on this website — including text, graphics, logos, images, and software — is the property of Ikamet Limited or its licensors and is protected by applicable intellectual property laws. "Ikamet Sigorta" is a registered trademark of Ikamet Limited.

You may not reproduce, republish, distribute, or exploit any content from this website without our prior written consent. Unauthorised use of the Ikamet Sigorta name, brand, or content is strictly prohibited and may result in legal action.

9. Limitation of liability

To the maximum extent permitted by applicable law, Ikamet Limited and its affiliates shall not be liable for:

• Any indirect, incidental, consequential, or special damages arising from use of this website
• Losses arising from reliance on information provided on this website
• Losses arising from interruptions, errors, or unavailability of this website
• Losses arising from actions or omissions of third-party insurers

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.

10. Complaints

If you have a complaint about our services, please contact us via our contact page. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days.

If you are not satisfied with our response, you may be able to refer your complaint to a relevant regulatory body or alternative dispute resolution scheme depending on your jurisdiction.

11. Governing law

These Terms & Conditions are governed by the laws of England and Wales. Any disputes arising from your use of this website or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless mandatory local consumer protection laws in your jurisdiction provide otherwise.

12. Contact

For any queries regarding these terms, please contact us via our contact page.