Voluntary Liability (IMM)

Voluntary third-party liability (IMM) kicks in when mandatory traffic insurance limits are not enough. If your traffic policy pays up to 400,000 TRY in material damage and the other car's loss is 600,000 TRY, the 200,000 TRY gap is yours — IMM closes that gap.

Who should seriously consider it?

Daily drivers in major cities, owners with loans or leases on the vehicle, and commercial plates almost treat IMM as standard. Routes with heavy luxury traffic carry real limit-exceeding risk.

Choosing a limit

Policies offer limits from 1 million to 15 million TRY. A cheap low limit fails in a single serious accident. Raising the limit for a few hundred TRY a year is far cheaper than a liability lawsuit.

How it relates to traffic insurance

IMM can be standalone or added to traffic cover. Align expiry with your traffic policy; a gap means no cover if an accident happens in between.

IMM premium depends on limit, vehicle type and driver profile. Requesting an IMM quote when you renew traffic cover saves time.