Quick Sigorta Managing Director Eyüp Özsoy said the SEDDK regulation published on 29 June 2026, together with the amendments to the General Conditions of Motor Insurance that entered into force on 1 July, has reshaped the claims landscape in Turkey. According to Özsoy, these steps signal a new phase in claims management that is designed to better protect policyholders while also reinforcing safeguards around personal data.
He stressed that the changes should not be seen as merely procedural improvements aimed at making claims faster or simpler. In his view, they also represent a major step against long-standing unauthorised claims brokerage practices that have complicated the post-accident process for citizens and created additional financial pressure across the insurance system.
Focus on policyholder rights and data protection
Özsoy said one of the most important outcomes of the new framework will be stronger protection for insured individuals. He pointed out that contacting road accident victims after unlawfully obtaining their phone numbers or personal details in order to offer claims-related services is not just unethical but also unlawful under Turkey’s Personal Data Protection Law.
He underlined that the sector’s concern goes beyond the existence of claims consultancy itself. The core problem, he said, is the illegal collection, use, or transfer of personal data to third parties. Özsoy added that people or organisations that reach victims immediately after an accident through unlawfully accessed data may face criminal investigation by Chief Public Prosecutors’ Offices under the Turkish Penal Code, while the Personal Data Protection Authority may also impose administrative sanctions.
In this respect, the regulation strengthens not only insurance operations but also the legal protection of citizens’ private information. He said this creates a firmer basis for defending policyholder rights and for tackling unauthorised actors that rely on unlawful methods.
Impact of illegal practices on insurance costs
Özsoy also drew attention to the wider cost of unauthorised claims handling, saying these activities do not affect only individual cases. He noted that the insurance industry has long had to absorb expenses linked to unlawful claims practices and fraud, and that these burdens eventually feed into the overall pricing structure of policies.
According to him, removing such networks would benefit both the sector and consumers directly. He said that lower operating costs, healthier competition, and a more efficient system could support more favourable policy pricing over the medium to long term.
A system aimed at managing losses properly
Discussing the practical impact of the reforms, Özsoy said the new approach is intended to ensure claims are handled correctly rather than unnecessarily escalated. He stated that citizens should be able to navigate the process without being pulled into avoidable disputes.
He added that issues such as loss of value should be treated as a natural part of the claims process, allowing claimants to manage their applications more directly and more easily through insurance companies themselves.
Preventing hardship from becoming a profit model
Özsoy said unauthorised claims activities damage not only insurers but also citizens who may already be in a vulnerable position after an accident. He argued that action against organised illegal structures is justified because such networks profit from people’s lack of knowledge, charge high commissions, and make unlawful use of personal data.
No one, he said, should be allowed to turn citizens’ hardship into a source of income. In his assessment, the latest regulations represent an important turning point in preventing that kind of exploitation and in building a more transparent, citizen-focused claims environment.
