What Inci Sigorta does

İnci Sigorta (legal entity: İnci Sigorta Acenteliği Ltd. Şti.) is a privately held Turkish insurance agency network headquartered in İzmir, registered with the Turkish Insurance Association under Levha Kayıt No: T08528-CBHZ. The company operates 30+ branches across nine provinces — İzmir (20+), Manisa, Kütahya, Muğla, Aydın, Balıkesir, Denizli, İstanbul, and Antalya — functioning as an independent intermediary (acentelik) that distributes policies on behalf of 20+ insurance carriers including AXA, Allianz, Anadolu Sigorta, Zurich, Sompo, MAPFRE, Türkiye Sigorta, HDI, Acıbadem, and Ray Sigorta. The product portfolio spans 40+ categories across vehicle, home, health, commercial, life and pension, and niche lines (mobile phone, pet, yacht, firearms, agricultural, solar/hydroelectric, parametric pandemic, cyber, and environmental liability).

The underlying technology layer is a digital brokerage platform that enables single-form multi-carrier quote comparison, an iOS mobile app (i-Nci Sigorta) for policy management, WhatsApp-based customer support and claims reporting, and a real-time traffic insurance integration (Ray Express with Ray Sigorta). The company also runs a centralized corporate sales function targeting enterprises for group health and business insurance, and a dedicated health insurance department servicing 5,000+ health policy customers.

Revenue is generated almost entirely through carrier commissions on net premiums sold, with rates ranging from 15% to 45% depending on insurance branch (motor at the low end, health and life at the higher end). Distribution runs through three concurrent motions: (1) a branch/channel-partner franchise network recruiting new branch owners; (2) direct-to-consumer digital acquisition via website, WhatsApp, and call center; and (3) enterprise sales for group health and corporate risk management. The company also addresses a foreign-nationals niche with multi-language (EN/AR/RU) residence-permit health insurance aligned with Immigration Authority and e-Devlet requirements. No public listing, parent company, or external funding is disclosed; ownership appears private and locally controlled.

Name

Inci Sigorta

Legal name

İnci Sigorta Acenteliği Ltd. Şti.

Website

https://incisigorta.com

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

101–250 employees

Short description

İnci Sigorta is a privately held Turkish insurance agency network operating 30+ branches across nine provinces, brokering policies from 20+ carriers (AXA, Allianz, Anadolu, Zurich, etc.) to individual, SME, corporate, and foreign-national customers via commission-based, multi-carrier quote comparison and digital self-service channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Leads, Introducers & Referral Networks (FSAEAMAB)

Keywords

• Insurance brokerage
• Multi-company quote comparison
• Branch insurance agency
• Vehicle and health insurance
• Commercial insurance brokerage

Headquarters

HQ city

Izmir

Offices9 records

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 Commission (Acente Komisyonu): Earn commission ranging from 15% to 45% on net premiums from all insurance policies sold across branches. Commission rates vary by insurance branch (health, property, business, etc.)

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

İnci Sigorta is a multi-branch insurance brokerage agency that compares and sells policies from 20+ partner insurance companies (AXA, Allianz, Anadolu, Türkiye Sigorta, Zurich, MAPFRE, Sompo, HDI and others). It offers 40+ insurance product categories covering vehicle, home, health, commercial, life/pension, and specialty lines, supported by 30+ physical branches and digital self-service channels. The company earns commission on each policy sold and also runs a franchise-like branch partnership program for new agents.

Product overview

Inci Sigorta operates as a multi-branch insurance agency network (acentelik) offering comparison and sales services across 40+ insurance product categories. The core offering is an insurance brokerage platform that compares quotes from 20+ partner insurance companies (including AXA, Allianz, Anadolu Sigorta, Sompo, HDI, Türkiye Sigorta, Zurich, Mapfre, Unico, Quick, Ray, Neova, Koru, GIG, Acıbadem, Ankara, Ethica, and others) to match customers with optimal coverage. The product portfolio spans vehicle insurance (traffic, green card, comprehensive auto, third-party liability), home insurance (residential, mandatory earthquake/DASK, common area/site), health insurance (supplementary/TSS, private/ÖSS, travel, foreigner, group), commercial insurance (business/SME, engineering, liability, marine, carrier, D&O, building completion, pandemic parametric, cyber, environmental), life and pension (individual pension/BES, auto-enrollment, annual life, premium-refund life, long-term life, decreasing-balance life), and financial insurance (receivables, invoice guarantee, surety bonds). Special niche products include mobile phone, pet, boat, agricultural, and renewable energy insurance. The company differentiates through 30+ branch locations, 7/24 technical support, digital quoting, WhatsApp support, and claims management services.

Differentiator

Problem solved

Functional benefit

Products and services

• Trafik Sigortası (Traffic Insurance) Mandatory motor liability insurance required by Traffic Law, covering bodily and material damages to third parties in traffic accidents up to legal limits set by the Ministry of Treasury and Finance. For vehicle owners in Turkey.
• Yeşil Kart Sigortası (Green Card Insurance) International motor liability insurance required for driving vehicles abroad, covering third-party damages in countries within the Green Card system. For Turkish vehicle owners traveling internationally.
• Kasko Sigortası (Comprehensive Auto Insurance) Voluntary comprehensive vehicle insurance covering own-vehicle damages from accidents, theft, fire, and natural disasters, including roadside assistance and replacement vehicle services. For vehicle owners seeking full coverage.
• İhtiyari Mali Mesuliyet Sigortası (İMM) (Optional Third Party Liability) Optional liability insurance that covers damages exceeding mandatory traffic insurance limits, protecting vehicle owners from legal enforcement actions. For vehicle owners seeking liability coverage above mandatory minimums.
• Trafik Tamamlayıcı Sorumluluk Sigortası (Traffic Complementary Liability) Supplementary insurance covering İMM claims, towing costs, replacement vehicle expenses, and loss of income for commercial vehicles in at-fault accidents. For commercial vehicle operators.
• Konut Paket Sigortası (Residential Package Insurance) Voluntary home insurance covering building structure and contents against fire, theft, water damage, storms, and optional earthquake coverage beyond DASK limits. For homeowners.
• DASK / Doğal Afet Sigortası (Mandatory Earthquake Insurance) Mandatory earthquake insurance required by Law No. 6305, covering residential building structural damage from earthquakes and related events. Managed by the Natural Disaster Insurance Pool (DASK). For residential property owners.
• Ortak Alan / Site Paket Sigortası (Common Area / Site Package Insurance) Insurance for shared residential areas including stairs, elevators, roofs, parking, and gardens, protecting building management and property owners from common area risks. For apartment/building management committees and site managers.
• Tamamlayıcı Sağlık Sigortası (TSS) (Supplementary Health Insurance) Supplementary health insurance for SGK (social security) beneficiaries covering the difference between SGK rates and private hospital charges at contracted institutions. For SGK-insured individuals seeking private hospital coverage.
• Özel Sağlık Sigortası (ÖSS) (Private Health Insurance) Private health insurance independent of SGK, providing comprehensive coverage at private hospitals with broader network and higher limits than supplementary health insurance. For individuals seeking independent private health coverage.
• Yurt Dışı Seyahat Sağlık Sigortası (International Travel Health Insurance) Travel health insurance covering medical treatment costs abroad including emergency evacuation and repatriation, with Schengen visa-compliant options. For Turkish travelers going abroad.
• Yabancı Uyruklular İçin Sağlık Sigortası (Health Insurance for Foreigners) Mandatory health insurance for foreigners obtaining residence permits in Turkey, meeting Immigration Directorate requirements with EN/AR/RU multi-language support. For foreign nationals aged 18-65 residing in Turkey for over 1 year.
• Grup Sağlık Sigortaları (Group Health Insurance) Corporate group health insurance packages covering employees and optionally their families, with employer and employee tax advantages. For businesses providing employee health benefits.
• İşyeri ve Kobi Paket Sigortası (Business & SME Package Insurance) Business premises insurance package for small and medium enterprises covering building, contents, and business interruption risks. For SMEs and business owners.
• Mühendislik Sigortaları (Engineering Insurance) Insurance coverage for construction projects, installed machinery, and electronic equipment against breakdowns and natural disasters. For construction firms and industrial operators.
• Sorumluluk Sigortaları (Liability Insurance) General liability coverage for businesses protecting against third-party injury and property damage claims. For businesses of all sizes.
• Nakliyat Sigortaları (Marine/Transport Insurance) Cargo insurance covering goods during transport by land, sea, or air against loss and damage. For shippers and logistics operators.
• Taşıyıcı Sorumluluk Sigortası (Carrier Liability Insurance) Coverage for transportation companies against legal liability for passenger and cargo damages during transport operations. For transportation companies.
• Yönetici Sorumluluk Sigortası (Directors & Officers Insurance) D&O insurance protecting company executives from legal claims arising from management decisions. For corporate executives and board members.
• Bina Tamamlama Sigortası (Building Completion Insurance) Insurance covering construction project completion risks ensuring buildings are finished as contracted. For developers and contractors.
• Parametrik Salgın Hastalıklar Sigortası (Parametric Pandemic Insurance) Insurance triggered by pandemic disease parameters, providing rapid claims settlement based on predefined pandemic indices. For businesses seeking pandemic-related coverage.
• Ticari Siber Güvenlik Sigortası (Commercial Cyber Insurance) Cyber risk coverage for businesses including data breach response, business interruption, and liability from cyber incidents. For businesses facing cyber exposure.
• Çevre Kirliliği Sorumluluk Sigortası (Environmental Liability Insurance) Coverage for environmental pollution liability arising from business operations. For businesses with environmental exposure.
• Bireysel Emeklilik Sigortası (Individual Pension - BES) Government-supported individual pension system with state contribution matching, providing retirement savings with tax advantages. For individuals planning retirement.
• Otomatik Katılım (Auto-Enrollment Pension) Mandatory auto-enrollment pension system for employees in qualifying enterprises with automatic deduction from salary. For employees of qualifying enterprises.
• Yıllık Hayat Sigortası (Annual Life Insurance) Annual term life insurance providing death benefit coverage renewable each year. For individuals seeking annual renewable life coverage.
• Prim İadeli Hayat Sigortası (Premium Refund Life Insurance) Life insurance where premiums are returned at policy maturity if the insured survives, combining protection with savings. For individuals seeking protection-plus-savings life coverage.
• Uzun Süreli Hayat Sigortası (Long-Term Life Insurance) Multi-year term life insurance with level premiums and coverage for extended periods. For individuals seeking multi-year level-premium life coverage.
• Azalan Bakiyeli Uzun Süreli Hayat Sigortası (Decreasing Balance Long-Term Life Insurance) Long-term life insurance with decreasing coverage amount over time, typically aligned with loan repayments. For borrowers seeking credit-linked decreasing life coverage.
• Devlet Destekli Alacak Sigortası (Government-Supported Receivables Insurance) Credit insurance protecting businesses against unpaid receivables with government support. For businesses extending trade credit.
• Fatura Güvence Sigortası (Invoice Guarantee Insurance) Insurance protecting against non-payment of utility and service invoices. For individuals or businesses facing invoice payment risk.
• Kefalet Sigortası (Surety Bond Insurance) Surety coverage for contractual obligations, replacing traditional bank guarantee requirements. For businesses and contractors needing surety bonds.
• Cep Telefonu Sigortası (Mobile Phone Insurance) Specialized insurance covering mobile phones against damage, theft, and breakdowns. For mobile phone owners.
• FFL Sigortası (Firearms License Insurance) Insurance coverage for firearms license holders against liability and property risks. For licensed firearm owners.
• Tekne Yat Sigortası (Boat & Yacht Insurance) Marine insurance for recreational boats and yachts covering vessel damage and liability. For boat and yacht owners.
• Pati Sigortası (Pet Insurance) Health insurance for pets covering veterinary expenses and third-party liability. For pet owners.
• Yurt Dışı Eğitim Sigortası (International Student Insurance) Health insurance for Turkish students studying abroad meeting visa and university requirements. For Turkish students studying overseas.
• Güneş Enerji Santralleri (GES) Sigortası (Solar Power Plant Insurance) Insurance coverage for solar energy power plants covering equipment breakdown and business interruption. For solar power plant operators and investors.
• Hidroelektrik Enerji Santralleri (HES) Sigortası (Hydroelectric Plant Insurance) Insurance for hydroelectric power generation facilities covering mechanical breakdown and natural disaster risks. For hydroelectric power plant operators.
• Bireysel Çatı Tipi Güneş Enerji Paneli Sigortası (Residential Rooftop Solar Panel Insurance) Insurance for home-installed rooftop solar panels covering damage and production loss. For homeowners with rooftop solar installations.
• Devlet Destekli Tarım Sigortaları (Government-Supported Agricultural Insurance - TARSIM) Agricultural insurance under TARSIM pool covering crops, livestock, and greenhouses against natural disasters and disease. For farmers and agricultural producers.
• Komplikasyon Sigortası (Complication Insurance) Insurance covering medical complications arising from surgical procedures. For surgical patients and medical practitioners.

Named customers6 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

23 partnerships are on record, tiered core and minor.

• AXA SigortacoreOthersPrimary insurance partner offering traffic insurance, health insurance, and other products through İnci Sigorta agency network. Direct links provided for AXA DASK and AXA Health policy purchases.
• Allianz SigortacoreOthersMajor insurance partner offering auto, health, home, and business insurance products through the İnci Sigorta network
• Anadolu SigortacoreOthersLeading Turkish insurance company partner providing comprehensive insurance products across all branches
• Zurich SigortacoreOthersInternational insurance partner offering various property and casualty insurance products
• Sompo SigortaminorOthersInsurance partner offering auto, health, and commercial insurance products
• Türkiye SigortacoreOthersState-backed insurance company partner offering comprehensive coverage across all insurance branches
• Ray SigortaminorOthersInsurance partner, notably providing Ray Express system for instant traffic insurance quotes
• Koru SigortaminorOthersInsurance product partner offering various personal and commercial insurance solutions
• Ethica SigortaminorOthersInsurance partner offering health and general insurance products
• MAPFRE SigortaminorOthersInternational insurance company partner with presence in Turkey offering auto and commercial insurance
• HDI SigortaminorOthersInsurance partner specializing in commercial and industrial insurance products
• Neova SigortaminorOthersInsurance partner offering various property and casualty insurance products
• Unico SigortaminorOthersInsurance partner providing auto and commercial insurance solutions
• AK SigortaminorOthersInsurance partner offering personal and commercial insurance products
• Ankara SigortaminorOthersRegional insurance partner offering various insurance products
• Acıbadem SigortaminorOthersHealth-focused insurance partner with strong hospital network for health insurance products
• GIG SigortaminorOthersInsurance partner offering personal and commercial insurance products
• Quick SigortaminorOthersInsurance partner providing auto and property insurance solutions
• Axa Hayat ve EmeklilikcoreOthersLife and pension insurance partner under AXA group offering life insurance, individual pension (BES), and retirement products
• Allianz Hayat ve EmeklilikcoreOthersLife and pension insurance partner under Allianz offering life insurance, individual pension (BES), and retirement solutions
• Zurich Yaşam ve EmeklilikminorOthersLife and pension insurance partner under Zurich offering life insurance and retirement products
• SEGEM (Sigorta Eğitim Merkezi)coreOthersInsurance Training Center - Required certification body for insurance agents in Turkey. İnci Sigorta branch applicants must obtain SEGEM certification (Technical Personnel Qualification Certificate) to operate as insurance agents
• TOBB (Türkiye Odalar ve Borsalar Birliği)minorOthersUnion of Chambers and Commodity Exchanges of Turkey - Insurance agencies must register with TOBB and pay levha (registry) fees. İnci Sigorta highlights this as a cost that branch partners can avoid by joining their network

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Koalay: Turkish digital insurance broker offering instant multi-carrier comparison and policy issuance. Comparable to İnci Sigorta in its role as an intermediary matching customers to underwriters, though focused on online/D2C rather than branch-based distribution.
• Sigortam.net: Turkey's leading online insurance comparison and brokerage platform. Directly competes with İnci Sigorta on multi-carrier quote comparison across motor, health and home lines, but distributes purely through digital channels rather than a physical branch network.

Broad incumbents

• Allianz Sigorta: One of İnci Sigorta's largest carrier partners and a top-3 Turkish P&C insurer. Sells motor, health, home and commercial insurance through both agency and direct channels, partially overlapping with İnci Sigorta's product portfolio and competing for the same end customers.
• AXA Sigorta: Major Turkish insurer and a core carrier partner of İnci Sigorta. Operates its own digital and direct sales channels (including DASK and health portals linked from İnci Sigorta's site) that compete with the agency at the point of sale.
• Sompo Sigorta: Japanese-owned Turkish insurer and İnci Sigorta partner. Sells auto, health and commercial lines through both agency and direct channels, overlapping with İnci Sigorta's product breadth in the Turkish market.
• Quick Sigorta: Direct-to-consumer-focused Turkish insurer partnering with İnci Sigorta but also competing by selling auto and property insurance straight to end customers via its own digital channels, bypassing the agency layer.
• Türkiye Sigorta: State-backed Turkish insurance carrier and core partner of İnci Sigorta. Provides comprehensive coverage across all branches and increasingly invests in direct distribution, posing a structural threat to traditional agency intermediation.
• HDI Sigorta: Talanx-owned Turkish carrier specializing in commercial and industrial lines. İnci Sigorta's partner for business and engineering products, but also reaches mid-market and corporate customers through its own agency and broker network.
• Anadolu Sigorta: Leading Turkish insurer across all branches and a core carrier partner of İnci Sigorta. Competes with İnci Sigorta by selling directly to consumers and via its own tied-agent network, covering the same motor, health and commercial lines the agency distributes.
• Marsh Türkiye: Global insurance broker with Turkish operations serving corporate and commercial clients. Competes with İnci Sigorta's Kurumsal Satış team for group health, D&O, cyber and large-commercial risks, though focused on enterprise rather than SMB/retail.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/incisigorta
• Facebookfacebook.com/incisigorta
• LinkedInlinkedin.com/company/inci-sigorta

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Inci Sigorta