Trafik Sigortalarında İndirim Ve Sürprim Nedir ?


Trafik sigortalarında Her sene içerisinde kusurlu hasar alıp almadığınıza bağlı olarak indirim oranı verilmektedir.
Trafik sigortasındaki indirim oranları basamak olarak tarif edilmekte olup üzerinize alacağınız ilk araç için :
1. Sene :  4. basamak  %0 indirim
2. Sene :  5. basamak %10 indirim
3. Sene :  6. basamak %15 indirim
4. Sene :  7. basamak %20 indirim

olarak poliçenize prim yansımaktadır. 7. Basamak olan %20 indirim alabileceğiniz en son indirim oranıdır.
Şunu eklemekte de fayda bulunmaktadır. Diyelim ki maddi hasarlı bir trafik kazası yaşadınız. Ancak yaşanan kazada tramer sonucu olarak sizin kusurunuz olmadığı belirlendi. Bu takdirde sizin indirim oranınız etkilenmemektedir. Yani kusurlu kazalarınızda ancak indirim oranı etkilenip indirim oranınız bozulmaktadır.

Tam tersi olarak düşünmemiz gerekirse kusurlu bir hasarınız olduğu takdirde indirim oranınız bir kademe aşağıya düşecektir. 4. basamaktan aşağıya düşmeniz takdirinde sırasıyla 3 , 2 ve 1. basamaklara düşecek ve bu basamaklar da sürprim olarak poliçenize yansıyıp poliçe tutarınızın artmasına sebep olacaktır.

Kazasız günler dileriz.

Sorularınız için bize ulaşabilirsiniz 🙂


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