What Is the Compulsory Personal Accident Seat Insurance for Road Passenger Transportation?
The Compulsory Personal Accident Seat Insurance for Road Passenger Transportation is a mandatory type of insurance under Law No. 2918 of the Turkish Highway Traffic Law. It provides coverage against accidents that may occur to passengers and the driver in commercial passenger vehicles such as buses, minibuses, and service vehicles.

Who Needs It?

• Intercity bus transportation companies

• Urban minibus and bus transportation firms

• Companies providing staff shuttle services

• Companies transporting students via school buses

• Private tour companies in tourism transportation
  All passenger transport service providers are legally required to take out this insurance per vehicle.

Coverage and Guarantees
This insurance provides the following coverage for passengers and the driver during the trip, boarding or disembarking, or while the vehicle is stationary:

✅ Death Compensation:
Compensation to legal heirs if a passenger or driver dies in an accident.

✅ Permanent Disability Compensation:
Compensation to a passenger or driver in the event of permanent disability due to an accident.

✅ Medical Expenses Coverage:
Covers all hospital and treatment costs arising from injuries due to an accident.

Persons Covered by the Insurance

• Passengers: All passengers present in the vehicle during the journey.

• Driver: The vehicle driver.

• Staff: Any assisting personnel on board (e.g., assistants) are also covered.

Why Is It Important?

• It is a legal obligation: Vehicles without this policy cannot transport passengers and may face severe administrative penalties.

• Passenger satisfaction and safety: Passengers are not left at a disadvantage in accidents and can quickly access compensation rights.

• Corporate image and sense of responsibility: Shows that you provide safe and responsible transport services.

• Licensing and inspections: This is one of the documents required during inspections by the Ministry of Transport, Traffic Police, and Highways Directorate.

Benefits of the Road Passenger Transportation Insurance
✔ Fulfills your company's legal responsibilities completely.
✔ Prevents hardship for passengers or employees in the event of an accident.
✔ Enhances your corporate reputation and customer trust.
✔ The entire insurance process is professionally handled on your behalf by FT Insurance.

Frequently Asked Questions
🚍 Do premiums vary by vehicle type?
Yes, policy premiums vary depending on vehicle types such as bus, minibus, midibus, or tour bus.

🚍 What is the duration of the insurance?
Policies are generally issued annually but can be aligned with the vehicle’s operating permit period.

🚍 Is this insurance only activated in case of an accident?
Yes, it only covers death, disability, and medical expenses resulting from accidents. For other risks, separate traffic and comprehensive insurance policies are required.