The Insurance and Private Pension Regulation and Supervision Authority (SEDDK) has implemented a regulation that allows individuals to purchase insurance directly when they shop.
The SEDDK said in a statement that the “Regulation on Integrated Insurance” gives direct access to insurance to cover risks such as damage to valuable items (eg. breakage, theft, or malfunction).
The Regulation on Integrated Insurance was published in the Official Gazette on 12 November 2026 and entered into force.
The SEDDK statement reads: “The rise of e-commerce, the growth of organised retail, and the development of new sales models have created an immediate need for insurance products.”
With this regulation, it is expected that nearly 10m citizens will benefit from insurance products, with approximately 70m policies purchased in the first year.
Under the regulation, the following insurance coverage can be obtained directly from the insurance company "during online or physical shopping" without the need for any intermediary:
- for risks such as breakage, loss, theft, fire, malfunction, or any other damage to white goods, electronic devices, telephones, tablets, furniture, eyeglasses, watches, clothing, household goods, cosmetics, etc
- for risks such as unavailability, cancellation, interruption, unauthorised use of services such as travel, transportation, accommodation, invoice protection, cyber security, short-term vehicle rentals, sports centre memberships, concerts, sporting events, wedding/engagement organisations, etc
- for risks associated with pet illnesses, theft, and loss; insurance policies required for residence permit and visa application
- for life, debt repayment, and personal accident insurance policies linked to personal loans.
The regulation stipulates that insurance cannot be made a condition for the purchase of goods or services, and the terms of sale cannot be changed to the detriment of the buyer due to the non-purchase of insurance.
Matters such as pre-contractual information, identity verification, and obtaining consent through secure methods have been regulated, preventing the issuance of policies without the insured's knowledge and consent. Provisions have also been established for submitting requests for contract termination via remote communication tools and for the automatic termination of insurance in cases where the contract for goods or services is terminated.