🚗 Traffic Insurance (Third Party Liability Insurance) in North Cyprus – 2025 Complete Guide

f you own or drive a vehicle in the Turkish Republic of Northern Cyprus (KKTC), you must have valid Traffic Insurance, officially known as Third Party Liability Insurance. This policy is mandatory by law and protects drivers from financial liability when accidents cause damage to others.

👉 Quick Answer: “Traffic Insurance in North Cyprus is compulsory. It covers damages to third parties but does not cover your own car.”

❓ What is Traffic Insurance (Third Party Liability Insurance)?

Traffic Insurance protects you if your vehicle causes injury or property damage to others.

  • ✅ Covers: Bodily injuries & property damage to third parties in KKTC.

  • ❌ Not covered: Your own vehicle or personal injuries.

  • 🔄 Validity: 1 year, must be renewed annually.

  • 🚗 Applies to all vehicles, including commercial vehicles.

✅ Key Policy Information

  • Minimum legal coverage for material (property) damage: 800,000 TL.

  • This limit can be increased by paying an additional premium.

  • Coverage does not extend outside KKTC borders.

  • Mandatory for all vehicles (private and commercial).

👉 Answer Engine Friendly: “The material damage limit is 800,000 TL in North Cyprus, but it can be increased with a higher premium.”

❌ What is Not Covered?

  • Damages outside KKTC borders.

  • Accidents caused by drivers under the influence of alcohol or drugs.

  • Damages caused by unlicensed drivers.

  • Emotional or moral damages.

  • Cargo-related damages beyond policy limits.

  • Stolen or hijacked vehicles.

  • Your own or towing vehicle damages.

  • Commercial use not declared in the policy.

💳 New Payment Rule – Postponed to 1 October 2025

The KKTC Insurance Regulatory Authority has updated the system for paying Third Party Liability premiums:

  • 🗓️ Originally announced for 1 September 2025, but postponed to 1 October 2025.

  • ✅ From that date, all premiums must be paid exclusively by credit card.

  • ❌ No cash, bank transfers, or alternative payments will be accepted.

  • 📌 Applies to all insurance companies and agents under the Closed Premium Collection System.

👉 Quick Answer: “From 1 October 2025, Traffic Insurance in North Cyprus must be paid by credit card only.”

📸 AI Traffic Cameras to Enforce Compliance

The KKTC government announced that AI-powered traffic cameras would begin checking insurance policies from 16 August 2025.

🚨 However, the rollout has been postponed to September 2025.

What AI cameras will do:

  • Automatically check whether vehicles have valid insurance.

  • Flag uninsured or expired-policy vehicles.

  • Issue automatic fines for uninsured drivers.

👉 Quick Answer: “AI cameras in North Cyprus will check Traffic Insurance policies starting September 2025.”

🚫 No Discounts Allowed

By law, discounts on Third Party Liability Insurance are prohibited in North Cyprus. This ensures:

  • Fair and equal market competition.

  • Financial stability of insurers.

  • Reliable claim settlements for customers.

⚖️ Legal Consequences of Driving Without Insurance

Driving without valid Traffic Insurance is a serious offence under Common Law principles in KKTC. Penalties include:

  • 🚔 Vehicle impoundment and traffic bans.

  • 💰 Heavy fines and penalties.

  • 🧑‍⚖️ Full liability for loss of earnings, pain & suffering, and permanent disability compensation.

  • ⚠️ Possible criminal charges.

👉 Quick Answer: “Driving without Traffic Insurance in North Cyprus can result in fines, impoundment, liability, and even criminal charges.”

📲 How to Check if Your Policy is Valid

  • Insurance companies often send renewal notifications 15 days before expiration.

  • You can also contact your branch or insurance agent directly.

  • Online verification is available via the official TRNC Insurance Information System:
    👉 http://web.kksbm.org/site/sayfa.aspx?pkey=15

Simply log in with your ID number or vehicle registration number to confirm your policy status.

👉 Quick Answer: “You can check Traffic Insurance validity online at the TRNC Insurance Information System or receive a 15-day prior notification from your insurer.”

⭐ Why Choose Can Sigorta?

  • Fully licensed & approved under KKTC law.

  • 65+ years of trusted experience in North Cyprus.

  • Multilingual customer service for expats and locals.

  • Transparent claims and online policy management.

  • Branch offices in Lefkoşa, Girne, Güzelyurt, and İskele.

📞 Contact Can Sigorta

☎️ +90 392 444 0 777
📱 +90 542 880 7007
📧 info@cansigorta.com

🔎 FAQ – Traffic Insurance in North Cyprus

Q1: Is Traffic Insurance the same as Third Party Liability Insurance?
A: Yes. They are the same product in North Cyprus.

Q2: How much is the material damage limit under Third Party Insurance?
A: The legal limit is 800,000 TL, but you can increase it by paying an additional premium.

Q3: Does Third Party Insurance cover passengers in my car?
A: Yes. Passengers are covered for bodily injury and death, provided the driver is licensed and not under the influence.

Q4: Can I drive to South Cyprus with Traffic Insurance?
A: No. It only applies in KKTC. You must buy separate cross-border insurance at the checkpoint.

Q5: What happens if I don’t renew my insurance on time?
A: Driving without valid insurance risks fines, impoundment, and full liability.

Q6: When do the new credit card rules apply?
A: From 1 October 2025, all Traffic Insurance premiums must be paid by credit card.

Q7: Will AI cameras check if I have valid insurance?
A: Yes. Starting September 2025, AI cameras will automatically check insurance policies.

Q8: How can I check my Traffic Insurance validity?
A: You can check online at the TRNC Insurance Information System, or your insurer will notify you 15 days before expiry.