T\u00fcrkiye Sigorta Birli\u011fi (TSB) Ba\u015fkan\u0131 Ahmet Ya\u015far, sigorta sistemi hakk\u0131nda, “Sigorta sisteminin temel amac\u0131 prim \u00fcretmek de\u011fil, risk ger\u00e7ekle\u015fti\u011finde vatanda\u015f\u0131n ve i\u015fletmelerin kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131 mali y\u00fck\u00fc \u00fcstlenmektir” dedi.
\nTSB Ba\u015fkan\u0131 Ahmet Ya\u015far, T\u00fcrkiye\u2019de trafi\u011fe kay\u0131tl\u0131 ara\u00e7 say\u0131s\u0131 34 milyonu a\u015ft\u0131\u011f\u0131n\u0131, yakla\u015f\u0131k 25 milyon arac\u0131n kasko g\u00fcvencesinden yoksun bulundu\u011funu belirtti. Ya\u015far, sigorta sekt\u00f6r\u00fcn\u00fcn amac\u0131n\u0131n prim art\u0131rmak de\u011fil, koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmak oldu\u011funu belirterek, trafik ve kasko sigortalar\u0131na ili\u015fkin de\u011ferlendirmelerin \u00f6denen tazminatlar ve sa\u011flanan g\u00fcvence dikkate al\u0131narak yap\u0131lmas\u0131 gerekti\u011fini s\u00f6yledi. Ya\u015far, T\u00fcrkiye Esnaf ve Sanatkarlar\u0131 Konfederasyonu (TESK) Genel Ba\u015fkan\u0131 Bendevi Paland\u00f6ken’in trafik ve kasko sigortalar\u0131na ili\u015fkin kamuoyuna yans\u0131yan de\u011ferlendirmeleri ve bu konuyu g\u00fcndeme ta\u015f\u0131maya \u00e7al\u0131\u015fan \u00e7e\u015fitli \u00e7evrelerin a\u00e7\u0131klamalar\u0131 \u00fczerine, sigortac\u0131l\u0131\u011f\u0131n yaln\u0131zca poli\u00e7e fiyat\u0131 \u00fczerinden ele al\u0131nmas\u0131n\u0131n eksik ve yan\u0131lt\u0131c\u0131 sonu\u00e7lar do\u011furabilece\u011fini ifade ederek, sekt\u00f6r\u00fcn temel g\u00f6revinin vatanda\u015flar\u0131n kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131 riskleri g\u00fcvence alt\u0131na almak oldu\u011funu vurgulad\u0131. Artan ara\u00e7 fiyatlar\u0131, yedek par\u00e7a maliyetleri, servis i\u015f\u00e7ilik giderleri ve finansman maliyetlerinin sigorta sekt\u00f6r\u00fcn\u00fc de do\u011frudan etkiledi\u011fini aktaran Ya\u015far, sigorta primlerinin bu ekonomik ger\u00e7eklikten ba\u011f\u0131ms\u0131z de\u011ferlendirilemeyece\u011fini s\u00f6yledi.<\/p>\n
Ba\u015fkan Ya\u015far, trafik sigortas\u0131 primlerinde reel gerilemeye i\u015faret yapt\u0131
\n2026 May\u0131s sonu itibar\u0131yla trafik ve kasko sigortalar\u0131nda \u00f6denen toplam tazminat tutar\u0131n\u0131n, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 36 artarak 84,1 milyar liradan 114,4 milyar liraya y\u00fckseldi\u011fini dile getiren Ya\u015far, ayn\u0131 d\u00f6nemde trafik sigortas\u0131nda 505 binin \u00fczerinde, kasko sigortas\u0131nda ise 568 binin \u00fczerinde dosyaya \u00f6deme yap\u0131ld\u0131\u011f\u0131n\u0131, sekt\u00f6r\u00fcn yaln\u0131zca 5 ay i\u00e7erisinde yakla\u015f\u0131k 1,1 milyon ki\u015finin zarar\u0131n\u0131 kar\u015f\u0131lad\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Ya\u015far, buna kar\u015f\u0131n trafik sigortas\u0131nda ortalama primin ise ayn\u0131 d\u00f6nemde yaln\u0131zca y\u00fczde 8 art\u0131\u015fla 8 bin 684 liradan 9bin 410 liraya \u00e7\u0131kt\u0131\u011f\u0131n\u0131 ve enflasyonun alt\u0131nda kalan bu art\u0131\u015f\u0131n, trafik sigortas\u0131 primlerinde reel gerilemeye i\u015faret etti\u011fine vurgu yapt\u0131.<\/p>\n
“Sigorta sisteminin temel amac\u0131 prim \u00fcretmek de\u011fil, mali y\u00fck\u00fc \u00fcstlenmektir”
\nDe\u011ferlendirmelerin yaln\u0131zca poli\u00e7e fiyatlar\u0131 \u00fczerinden de\u011fil, sa\u011flanan koruma ve \u00f6denen tazminatlar dikkate al\u0131narak yap\u0131lmas\u0131 gerekti\u011fini aktaran Ya\u015far, “Sigorta sisteminin temel amac\u0131 prim \u00fcretmek de\u011fil, risk ger\u00e7ekle\u015fti\u011finde vatanda\u015f\u0131n ve i\u015fletmelerin kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131 mali y\u00fck\u00fc \u00fcstlenmektir. Kamuoyunda dile getirilen \u20187 milyon sigortas\u0131z ara\u00e7\u2019 s\u00f6yleminin, ger\u00e7ek tabloyu tam olarak yans\u0131tm\u0131yor. Bu rakam\u0131n i\u00e7inde trafik sigortas\u0131 yapt\u0131rma zorunlulu\u011fu bulunmayan 2,6 milyon motorlu bisikletin yan\u0131 s\u0131ra uzun s\u00fcredir kullan\u0131lmayan, ekonomik \u00f6mr\u00fcn\u00fc tamamlam\u0131\u015f veya fiilen trafikte yer almayan ara\u00e7lar da bulunmaktad\u0131r. Bu unsurlar ayr\u0131\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda, zorunlu trafik sigortas\u0131ndaki sigortas\u0131zl\u0131k oran\u0131 yakla\u015f\u0131k y\u00fczde 16 seviyesine d\u00fc\u015fmekte; kullan\u0131lmayan ara\u00e7lar da dikkate al\u0131nd\u0131\u011f\u0131nda bu oran daha da gerilemektedir. Bu nedenle kamuoyunda ifade edilen 7 milyon rakam\u0131n\u0131n do\u011frudan \u2018sigortas\u0131z ara\u00e7 say\u0131s\u0131\u2019 olarak de\u011ferlendirilmesi yan\u0131lt\u0131c\u0131 sonu\u00e7lar do\u011furabilmektedir” ifadelerini kulland\u0131.<\/p>\n
“Sigortac\u0131l\u0131\u011f\u0131n temel misyonu daha fazla ki\u015fiyi g\u00fcvence alt\u0131na almak ve koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmakt\u0131r”
\nSigortas\u0131zl\u0131\u011f\u0131n \u00f6nemli bir sorun oldu\u011funu vurgulayan Ya\u015far, trafik sigortas\u0131n\u0131n yaln\u0131zca ara\u00e7 sahibini de\u011fil, kazalarda zarar g\u00f6ren \u00fc\u00e7\u00fcnc\u00fc ki\u015fileri de koruyan toplumsal bir g\u00fcvence mekanizmas\u0131 oldu\u011funun alt\u0131n\u0131 \u00e7izerek, “Sigortas\u0131zl\u0131\u011f\u0131n azalt\u0131lmas\u0131 hem vatanda\u015flar\u0131m\u0131z\u0131n korunmas\u0131 hem de trafik sisteminin sa\u011fl\u0131kl\u0131 i\u015flemesi a\u00e7\u0131s\u0131ndan b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yor. Ancak bunun yan\u0131nda daha b\u00fcy\u00fck bir koruma a\u00e7\u0131\u011f\u0131yla da kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Sigortac\u0131l\u0131\u011f\u0131n temel misyonu daha fazla ki\u015fiyi g\u00fcvence alt\u0131na almak ve koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmakt\u0131r. Sigorta fiyat\u0131n\u0131 yaln\u0131zca arac\u0131n markas\u0131 ve modeli belirlemez. S\u00fcr\u00fcc\u00fcn\u00fcn hasar ge\u00e7mi\u015fi, ya\u015f\u0131, bulundu\u011fu il, kullan\u0131m \u015fekli, risk profili ve tercih etti\u011fi teminatlar gibi bir\u00e7ok unsur fiyatlamada etkili olur. Bu nedenle ayn\u0131 araca sahip iki ki\u015finin ayn\u0131 primi \u00f6demesi her zaman teknik olarak do\u011fru olmayabilir. G\u00fcnl\u00fck hayatta hi\u00e7bir \u00fcr\u00fcn veya hizmet tek tip fiyatla sunulmuyor. T\u00fcm lokantalar kuru fasulyeyi ayn\u0131 fiyata m\u0131 sat\u0131yor? T\u00fcm oto tamircileri ayn\u0131 i\u015f\u00e7ilik \u00fccretini mi uyguluyor? Nas\u0131l ki ayn\u0131 marka arac\u0131n bak\u0131m\u0131n\u0131 yapt\u0131rmak i\u00e7in farkl\u0131 servislerden farkl\u0131 fiyatlar al\u0131nabiliyorsa, sigortac\u0131l\u0131kta da farkl\u0131 \u015firketlerden farkl\u0131 teklifler al\u0131nmas\u0131 rekabetin do\u011fal sonucudur. Ayn\u0131 mahallede bulunan iki markette bile ayn\u0131 \u00fcr\u00fcn farkl\u0131 fiyatlarla sat\u0131\u015fa sunulabiliyor. \u00c7\u00fcnk\u00fc her i\u015fletmenin maliyeti, hizmet kalitesi, sundu\u011fu ek avantajlar ve ticari tercihleri farkl\u0131d\u0131r” dedi.<\/p>\n
“Sigorta \u015firketleri de farkl\u0131 risk de\u011ferlendirmeleri yapar”
\nSigortac\u0131l\u0131kta da benzer bir durumun s\u00f6z konusu oldu\u011funu dile getiren Ya\u015far, “Sigorta \u015firketleri de farkl\u0131 risk de\u011ferlendirmeleri yapar, farkl\u0131 hizmet modelleri sunar ve farkl\u0131 maliyet yap\u0131lar\u0131yla \u00e7al\u0131\u015f\u0131r. Bu nedenle ayn\u0131 ara\u00e7 i\u00e7in farkl\u0131 \u015firketlerden farkl\u0131 teklifler al\u0131nmas\u0131 son derece do\u011fal ve rekabet\u00e7i piyasan\u0131n bir sonucudur. \u00d6nemli olan vatanda\u015f\u0131n alternatifler aras\u0131ndan kendisine en uygun g\u00fcvenceyi se\u00e7ebilmesidir. T\u00fcrkiye\u2019nin ihtiyac\u0131 tek tip fiyatlar de\u011fil; daha y\u00fcksek sigortal\u0131l\u0131k oran\u0131, daha d\u00fc\u015f\u00fck koruma a\u00e7\u0131\u011f\u0131 ve risklere kar\u015f\u0131 daha dayan\u0131kl\u0131 bir toplumdur. As\u0131l mesele primin fiyat\u0131 de\u011fil, vatanda\u015flar\u0131m\u0131z\u0131n ve i\u015fletmelerimizin ihtiya\u00e7 duyduklar\u0131 g\u00fcvenceye eri\u015febilmesidir. Sigortac\u0131l\u0131k, ekonomik ve sosyal hayat\u0131n s\u00fcrd\u00fcr\u00fclebilirli\u011fi a\u00e7\u0131s\u0131ndan vazge\u00e7ilmez bir g\u00fcvence mekanizmas\u0131d\u0131r” c\u00fcmlelerini kulland\u0131.<\/p>\n
31.05.2026<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Sigorta Birli\u011fi (TSB) Ba\u015fkan\u0131 Ahmet Ya\u015far, sigorta sistemi hakk\u0131nda, “Sigorta sisteminin temel amac\u0131 prim \u00fcretmek de\u011fil, risk ger\u00e7ekle\u015fti\u011finde vatanda\u015f\u0131n ve i\u015fletmelerin kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131 mali y\u00fck\u00fc \u00fcstlenmektir” dedi. TSB Ba\u015fkan\u0131 Ahmet Ya\u015far, T\u00fcrkiye\u2019de trafi\u011fe kay\u0131tl\u0131 ara\u00e7 say\u0131s\u0131 34 milyonu a\u015ft\u0131\u011f\u0131n\u0131, yakla\u015f\u0131k 25 milyon arac\u0131n kasko g\u00fcvencesinden yoksun bulundu\u011funu belirtti. Ya\u015far, sigorta sekt\u00f6r\u00fcn\u00fcn amac\u0131n\u0131n prim […]<\/p>\n","protected":false},"author":1,"featured_media":20628,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[4705,4713,4711,4712,4708,4709,4706,4707,4704,4710],"class_list":["post-20627","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-baskani-ahmet-yasar","tag-dedi","tag-karsi-karsiya-kaldigi","tag-mali-yuku-ustlenmektir","tag-prim-uretmek-degil","tag-risk-gerceklestiginde","tag-sigorta-sistemi-hakkinda","tag-sigorta-sisteminin-temel-amaci","tag-turkiye-sigorta-birligi-tsb","tag-vatandasin-ve-isletmelerin"],"yoast_head":"\n