Maximum invoicing for insured's forward sales transactions
receivables invoiced or transferred during the period
due to a situation within the scope of the guarantee and if any, for this situation
Failure to collect at the end of the waiting period specified in the policy
The amount of the loss suffered due to the purchaser is limited to the buyer limit.
is to be secured as collateral.
Unless otherwise agreed, insurance is included in sales contracts.
All sales transactions between buyer and seller are covered by insurance
inclusion is essential.
State Supported Credit Insurance (DDAS) is a system that protects SMEs from any collateral.
to secure trade receivables from unsecured domestic forward sales
It is an insurance product. State Supported Credit Insurance (DDAS), Private
It is managed by the Risk Management Center.
Established at least two years ago (or
another legal entity that owns the majority of its capital at least two years ago
established), complies with the specified risk assessment conditions and
The turnover from domestic sales in the previous fiscal year was less than million TL
SMEs can benefit from State Supported Receivables Insurance.
A secured buyer's commercial debt that is not paid when due
receivables and legal situations such as bankruptcy, composition, liquidation etc. and default
fall cases, are covered by State Supported Credit Insurance (DDAS)
are among the risks covered.
The insurer is responsible for the risk of the debtor failing to fulfill the debt obligations defined in the policy.
as a guarantor for the debtor, within the framework of the terms and conditions specified in the general conditions and special terms of the policy.
Provides coverage to the beneficiary specified in the policy.
The insurer, in accordance with the obligations assumed under this insurance contract, shall
He makes payments to the Iehdars.
The insurer may act as a guarantor for the debtor directly against the beneficiary, or indirectly.
banks, credit guarantee institutions or other financial institutions through guarantee
may provide security for the obligation of the beneficiary, subject to their being a guarantor against the beneficiary.
Surety bonds can be issued conditionally or with payment at first request.
The debtor may purchase insurance himself or herself to obtain insurance protection.
In insurance made in favor of someone else, the insurance intended for the insured
obligations also apply to the debtor.
Descriptions of coverage provided under this insurance, including but not limited to the following:
It is as follows;
- Advance Payment Guarantee
- Manufacturing/Maintenance/Repair Coverage
- Security Fraud Coverage
- Customs and Court Guarantee
- Tender Participation (Temporary Security) Guarantee
- Payment Guarantee
- Performance Guarantee:
- Contract Guarantee
- Public tender guarantee
- Security for public receivables
With this insurance, the insurer covers the loss of employment or accident or illness.
As a result of temporary incapacity for work due to
the insured must do as stated in the policy and in accordance with the contract.
limited to the maximum compensation amount and period required to make the necessary payments
It provides guarantees including.
With this insurance contract, the scope is included in the insurance policy.
guarantee against financial losses arising from identified risks
Insurance coverage is a monetary payment
obligation or financing or
Providing goods and services subject to prefinancing
contracts and loan agreements of a financial institution
Contracts to which the guarantee will be applied
is specified in the policy.
With this insurance, the insurer; in prepaid housing or timeshare sales within the scope of the Consumer Protection Law No. 6502;
a) Bankruptcy of the seller,
b) If the seller is a natural person, his death, provided that the heirs reject the inheritance, or
c) Except for the cases specified in articles A.3 and A.4 of the general conditions, in cases where the seller cannot complete the residence or timeshare within 12 months following the delivery date committed in the contract, insurance coverage is provided to the consumers specified in the security account in accordance with these general conditions and the special conditions of the policy.
The insurer issues a policy for the project subject to prepaid sales and allocates a maximum coverage limit to the seller for the part of the project subject to prepaid sales. Within the scope of the project, after the sale of housing or timeshare to consumers, it issues individual coverage bonds for each consumer, with the housing or timeshare sales price being the upper limit. The total of individual coverage bonds constitutes the maximum coverage limit allocated to the seller by the insurer.
Only payments made through banks are covered by the guarantee bond.
If the real estate is purchased with a partially tied loan, the part exceeding the loan amount provided by the lender or housing finance institution is covered by the guarantee. Any compensation claims to be made within the scope of this insurance contract must be made within 6 months following the occurrence of the risk and, in any case, within the additional notification period if agreed in the policy.
With this insurance, the insurer guarantees that the insured person will not be on the road
Permanent residence with a usable motor vehicle
may encounter during travel outside the address
accident or malfunction or sudden death of the driver and passengers
such as illness or accidental injury
in cases where the situation prevents him from completing his trip
ensures the support services to be provided.
With this contract, the insurer is a party to the insured and
contracts within the scope of the subjects determined by the contract
or its relevance to rights and obligations arising from legislation
settlement of legal disputes or related
within the framework of the judicial procedures in resolving the legal
the expenses and costs required to protect the interests of
undertakes other actions.
With this contract, the insured will be provided with the information shown on the policy.
for one or more or all of the following situations:
legal protection can be provided;
- Legal protection related to motor vehicles
- Driver legal protection
- Legal protection related to immovable property
- Personal – family legal protection
