Unico Sigorta

What Unico Sigorta does

Unico Sigorta A.Ş. is a Turkish non-life (elementer) insurance company founded in 1988 as Commercial Union, rebranded to Aviva Sigorta in 2005, and operating under the Unico Sigorta name since 2015. It is owned 80% by Heksagon Mühendislik ve Tasarım A.Ş. and 20% by Kibele B.V., and is regulated by SEDDK. The company underwrites a broad portfolio of personal and commercial lines including motor (Kasko/UniKasko, Trafik Sigortası, Motorsiklet, Filo), property (Konut, DASK, Yangın), health (UniSağlık Tamamlayıcı Sağlık, Kritik Hastalık), travel, personal accident, engineering, transportation, and liability coverages, plus a niche children's product (İlk Sigortam). It serves 1.5 million individual customers holding more than 2 million policies and claims a #1 ranking in claims satisfaction.

The company distributes primarily through a 3,500+ agency network supported by regional coordinators and agency communication events, supplemented by direct channels (call center 0850 222 28 00, WhatsApp 'Ulaş' assistant, and an online portal). Its technology stack includes remote damage assessment enabling 24-hour home insurance claim payouts, digital claims processing, and integrated service networks (tire replacement via Lastikpark, contracted repair shops and healthcare providers). Premium production reached 13.1 billion TL in the first 8 months of 2025 (47% YoY), driven by Kasko (2.9B TL, +43%), Trafik (7.7B TL, +45%) and Fire (957M TL, +66%); profitability stood at 1.4 billion TL with 4.8 billion TL in equity and a 16.5 billion TL investment portfolio as of August 2025. Pricing is quote-based with annual billing and tiered structures (Traffic 7-tier system, UniSağlık Eko/Standart/VIP, Critical Illness starting from 1,000 TL).

Name

Unico Sigorta

Legal name

Unico Sigorta A.Ş.

Website

https://unicosigorta.com.tr

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

251–500 employees

Short description

Unico Sigorta is a Turkish non-life insurance company founded in 1988 that underwrites motor, property, health, travel, and commercial coverages for 1.5 million individual customers and businesses, distributed through 3,500+ agencies nationwide.

Ownership category

akta.pro rank

Product category

Non-Life Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Umbrella & Excess Liability (Fleet/Transportation) (TLABANAG)

Keywords

• Motor vehicle insurance
• Supplementary health insurance
• Home insurance products
• Commercial insurance coverage
• Insurance agency network

Headquarters

HQ city

Istanbul

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Revenue: Unico Sigorta generates revenue by underwriting insurance policies across multiple lines including motor (Kasko, Traffic), health, home, travel, and commercial insurance. Premium revenue is collected upfront at policy issuance, with claims paid out as losses occur.
2. Motor Insurance (Kasko & Traffic): Primary revenue driver covering vehicle damage (Kasko) and mandatory third-party liability (Trafik Sigortası). Kasko revenue reached 2.9 billion TL in the first 8 months of 2025 (43% YoY growth). Traffic insurance generated 7.7 billion TL in the same period (45% YoY growth).
3. Health Insurance: Revenue from UniSağlık Tamamlayıcı Sağlık Sigortası (Supplementary Health Insurance) covering SGK co-payments, with Eco, Standard, and VIP plan tiers. Health products reached 200,000+ insured persons shortly after launch in 2025.
4. Fire & Engineering Insurance: Fire branch premium production reached 957 million TL, representing 66% year-over-year growth, making it one of the fastest-growing revenue streams.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Unico Sigorta is a Turkish non-life (elementer/hayat-dışı) insurance company that underwrites and distributes a broad portfolio of insurance products across motor (Kasko, Trafik), health (UniSağlık, Kritik Hastalıklar), home (Konut, DASK), travel (Seyahat Sağlık, Yeşil Kart), personal accident, and commercial lines (fleet, fire, engineering, liability, transportation). The company sells its policies through a nationwide network of 3,500+ independent agencies and direct digital channels to 1.5M+ individual and corporate customers in Turkey.

Product overview

Unico Sigorta is a Turkish non-life (elementary/elementer) insurance company operating as a multi-product insurer with a broad portfolio of individual and corporate insurance offerings. The core product lines span vehicle insurance (Kasko/UniKasko, Trafik Sigortası, Motorsiklet Kasko, Filo Araç Sigortaları), property insurance (Konut Sigortası, DASK, Yangın Sigortaları), health insurance (Tamamlayıcı Sağlık Sigortası/UniSağlık in Eko/Standart/VIP tiers, Kritik Hastalık Sigortası, Ferdi Kaza Sigortası), travel insurance (Seyahat Sağlık Sigortası, Yeşil Kart Trafik Sigortası), and commercial insurance (Nakliyat Sigortaları, Mühendislik Sigortaları, Sorumluluk Sigortaları). A specialized sub-brand, İlk Sigortam, serves children. The company distributes through a network of over 3,500 insurance agents and serves 1.5 million customers. As of 2025, the company expanded into health insurance with the UniSağlık brand and introduced digital services such as 24-hour remote damage assessment for residential claims.

Differentiator

Problem solved

Functional benefit

Brands

• UniKasko: Araç kasko sigortası ürünü
• UniSağlık
• İlk Sigortam
• Servis Plus+

Products and services

• Kasko (UniKasko) Vehicle insurance product covering damage, theft, fire, earthquake, and other risks for cars. Includes services such as free tire replacement, 12-month tire storage, and balance service for tire changes.
• Trafik Sigortası Compulsory mandatory traffic insurance covering third-party damages caused by the insured vehicle in traffic accidents within Turkey.
• Tamamlayıcı Sağlık Sigortası (UniSağlık) Supplementary health insurance covering co-payments at private health institutions contracted with SGK. Offered in Eko, Standart, and VIP plan tiers. Covers doctor visits, surgeries, inpatient treatments, oncology, dietitian, and psychological counseling services.
• Konut Sigortası Home insurance covering damages to residential properties and contents against risks such as fire, theft, and natural disasters.
• DASK (Zorunlu Deprem Sigortası) Compulsory earthquake insurance mandated by law, covering physical damage to buildings caused by earthquakes.
• Yeşil Kart Trafik Sigortası Green Card Traffic Insurance covering vehicle damages and third-party liabilities when driving in Green Card member countries abroad.
• Seyahat Sağlık Sigortası Travel health insurance covering medical expenses, hospital transfers, repatriation, baggage loss, and travel-related emergencies for international trips.
• Ferdi Kaza Sigortası Personal accident insurance providing coverage for accidental death, permanent disability, and medical expenses resulting from accidents.
• Motorsiklet Sigortası (Motosiklet Kasko) Motorcycle insurance covering damages, theft, fire, and other risks specific to motorcycles.
• Kritik Hastalık Sigortası Critical illness insurance providing cash payments starting from 1,000 TL upon diagnosis of specified critical diseases such as cancer, heart attack, and stroke.
• Filo Araç Sigortaları Fleet vehicle insurance designed for businesses with multiple vehicles, providing consolidated coverage for company fleets.
• Nakliyat Sigortaları Transportation and marine insurance covering goods and cargo during transit against risks such as damage, theft, and accidents.
• Yangın Sigortaları Fire insurance covering properties and businesses against fire damage and related perils.
• Mühendislik Sigortaları Engineering insurance covering machinery breakdown, construction all-risk, and electronic equipment for businesses.
• Sorumluluk Sigortaları Liability insurance covering legal liabilities arising from business operations, professional activities, or third-party damages.
• İlk Sigortam Insurance product designed for children, introduced to familiarize children with insurance concepts and build insurance awareness. Covers education-related damages. Each policy sold contributes to environmental sustainability through the 'Her Poliçe Bir Fidan' (Each Policy a Sapling) initiative.

Quantifiable outcome

• 13.1 billion TL premium production in Jan-Aug 2025, up 47% YoY
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered minor and core.

• LastikparkminorStrategic or Co-development PartnerLastikpark is a tire service company providing free tire replacement and 12-month storage services (lastik oteli) for Unico Sigorta's UniKasko policyholders. This partnership adds tire services as an extra benefit on auto insurance policies.
• Boğaziçi Üniversitesi Yaşamboyu Eğitim Merkezi (BÜYEM)coreStrategic or Co-development PartnerBÜYEM partnered with Unico Sigorta to launch the 'Satış Okulu' (Sales School) program, a comprehensive training initiative for Unico's sales teams covering new-generation insurance, leadership, change management, sales and marketing, and finance. The program graduated its first cohort of 19 participants in September 2025.
• Sigorta Paydaşları İş Birliği Fuar ve ZirvesiminorGTM or Marketing PartnerUnico Sigorta participates in the Sigorta Paydaşları İş Birliği Fuar ve Zirvesi (Insurance Stakeholders Cooperation Fair and Summit), an industry event connecting insurance companies with partners and sector stakeholders. The 2026 edition was held in Izmir.

Scale indicators13 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Anadolu Sigorta: One of Turkey's largest non-life insurers, offering motor (Kasko, Trafik), health, and commercial lines through a multi-channel agency and digital model. Directly comparable to Unico in product mix, distribution approach, and target segments within the Turkish market.
• Aksigorta: Major Turkish non-life insurer with a broad motor, health, home, and commercial portfolio distributed via agency and digital channels. Comparable to Unico in scale, multi-line offering, and Turkish domestic focus.
• Sompo Sigorta Turkey: Turkish subsidiary of Sompo Japan with Kasko, Trafik, health, and corporate lines. Direct competitor to Unico in motor and increasingly in health, with comparable agency-led distribution.
• HDI Sigorta: Turkish non-life insurer affiliated with Talanx/HDI Group, offering motor, fire, engineering, and health coverage. Comparable mid-tier competitor to Unico across personal and commercial lines.
• Türkiye Sigorta: State-backed Turkish non-life insurance leader with dominant market share in motor and P&C. Comparable to Unico across product lines, though at materially larger scale and with state-related distribution advantages.

Broad incumbents

• Allianz Sigorta Turkey: Subsidiary of global Allianz Group, offering motor, health, life, and commercial insurance in Turkey. Comparable to Unico's product mix but with broader geographic reach, stronger brand, and global reinsurance backing.
• Zurich Sigorta Turkey: Turkish arm of Zurich Insurance Group, focused on motor, home, and commercial P&C. Comparable to Unico in core lines but with multinational capital backing and corporate-risk specialization.
• MAPFRE Sigorta Turkey: Turkish subsidiary of MAPFRE, offering non-life products with strength in commercial and motor. Comparable to Unico across product categories, with broader international reinsurance and corporate capabilities.
• Groupama Sigorta Turkey: Turkish arm of French mutual insurer Groupama, providing motor, health, home, and agricultural insurance. Comparable to Unico in personal lines with a stronger agricultural and SME commercial book.
• Generali Sigorta Turkey: Turkish operations of Generali, offering motor, health, and corporate insurance. Comparable to Unico in core lines but with a stronger corporate/enterprise focus and multinational capital backing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/unicosigorta
• Xx.com/unicosigorta
• Facebookfacebook.com/unicosigorta
• LinkedInlinkedin.com/company/unicosigorta

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unico Sigorta