Sigortayeri

What Sigortayeri does

Sigortayeri Sigorta ve Reasürans Brokerliği A.Ş. is a Turkish multi-channel insurance and reinsurance broker founded in 2013 and operating as a wholly-owned subsidiary of Aktif Yatırım Bankası A.Ş. The company operates a cloud-based digital brokerage platform accessible via web, mobile, and a 24/7 call center, aggregating quotes from 20+ partnered insurance companies and enabling customers to compare prices and coverage side-by-side before purchasing policies online. Its product portfolio spans four categories — vehicle (traffic, kasko, İMM), property (DASK, home, contents), health (supplementary, private, travel, foreigners, critical illness), and life/personal lines (personal accident, credit life, individual pension, phone, cyber, pet, bill protection) — supported by corporate and reinsurance services delivered through the ASRON SİGORTA brand since May 2017.

The business model is transaction-fee based, with Sigortayeri earning brokerage commissions from insurers on each policy sold through its platform while acting as an impartial licensed intermediary under Turkey's Insurance Law (5684 Sayılı Sigortacılık Kanunu). Distribution combines direct-to-consumer digital acquisition (website, mobile, call center) with strategic embedded channels, including OEM integrations with Togg via the Trumore app (since 2022) and Borusan Next's used-car platform (announced April 2026). Marketing spans national TV, social media, a referral program offering up to 20,000 TL in vouchers, and an influencer program with seven content creators. The company reports 4M+ individual and corporate customers served and 6M+ policies issued over its operating history, with technology investments including an AI-powered recommendation engine and the Poliçelerim AI project recognized at Smart-i Awards 2025.

Name

Sigortayeri

Legal name

Sigortayeri Sigorta ve Reasürans Brokerliği A.Ş.

Website

https://sigortayeri.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Sigortayeri is Turkey's multi-channel insurance and reinsurance broker, operating a digital platform that aggregates quotes from 20+ insurers and serves 4+ million individual and corporate customers since 2013.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• Insurance brokerage
• Digital insurance platform
• Insurance comparison platform
• Multi-channel insurance broker
• Vehicle insurance quotes

Headquarters

HQ city

Sisli

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Sigortayeri earns commissions from insurance companies for each policy sold through its platform. As a licensed insurance and reinsurance broker under Turkish law, it acts as an intermediary between customers and insurers, collecting premiums and facilitating policy issuance.
2. Corporate Reinsurance Brokerage (ASRON SİGORTA): Since May 2017, Sigortayeri serves corporate clients through ASRON SİGORTA brand, providing reinsurance intermediary services to businesses alongside retail insurance brokerage.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Sigortayeri is a multi-channel insurance and reinsurance broker that operates a digital comparison platform aggregating quotes from 20+ partnered insurance companies, enabling customers to compare, purchase, and manage insurance policies online, via mobile, or through a call center. Its product portfolio spans vehicle (traffic, kasko, İMM), property (DASK, homeowners, contents), health (supplementary, private, travel, foreigners, critical illness), and life/personal lines (personal accident, credit life, premium-refund life, individual pension, phone, cyber, pet, bill protection), with corporate clients served under the ASRON SİGORTA sub-brand. The company is licensed under Turkey's Insurance Law (5684 Sayılı Sigortacılık Kanunu) and operates as a subsidiary of Aktif Yatırım Bankası A.Ş.

Product overview

Sigortayeri is a multi-channel insurance broker and comparison platform that aggregates offers from 20+ insurance company partners, enabling consumers to compare and purchase insurance policies digitally, via mobile, or through call centers. The platform operates under the Sigortayeri Sigorta ve Reasürans Brokerliği A.Ş. brand and serves as a subsidiary of Aktif Yatırım Bankası A.Ş. Product portfolio spans four main categories: (1) Vehicle Insurance including Trafik Sigortası, Kasko Sigortası, and İMM Sigortası; (2) Property Insurance including DASK, Konut Sigortası, and Eşyam Güvende Sigortası; (3) Health Insurance including Tamamlayıcı Sağlık, Özel Sağlık, Seyahat Sağlık, Yabancı Sağlık, and Kritik Hastalıklar Sigortası; and (4) Life Insurance including Ferdi Kaza, Kredi Hayat, Prim İadeli Hayat, Bireysel Emeklilik, Telefon Kaskosu, Siber Güvence, Evcil Hayvan, and Fatura Koruma Sigortası. Since May 2017, corporate clients are served under the ASRON SİGORTA sub-brand.

Differentiator

Problem solved

Functional benefit

Products and services

• Trafik Sigortası (Traffic Insurance) Mandatory liability insurance required by law for all motor vehicle owners, covering damages to third parties including health expenses, material damage, disability, and death benefits. Sold to vehicle owners in Turkey via the multi-insurer comparison platform.
• Kasko Sigortası (Comprehensive Auto Insurance) Voluntary vehicle insurance covering collision, theft, fire, flood, earthquake, and terrorism damage, customizable with various coverage options. Sold to Turkish vehicle owners through the multi-insurer comparison platform.
• İMM Sigortası (Optional Third-Party Liability Insurance) Optional liability insurance extending mandatory traffic coverage to include third-party moral damages and additional coverage beyond standard policy limits. Sold to Turkish vehicle owners.
• DASK Sigortası (Mandatory Earthquake Insurance) Mandatory earthquake insurance required for property owners, covering earthquake and related damages including fire, landslide, tsunami, and explosion. Sold to Turkish property owners via the multi-insurer comparison platform.
• Konut Sigortası (Homeowners Insurance) Property insurance covering residential buildings and contents against fire, theft, water damage, and natural disasters. Sold to Turkish homeowners through the comparison platform.
• Eşyam Güvende Sigortası (Home Contents Insurance) Insurance coverage for personal belongings within the home against theft, damage, and covered perils. Sold to Turkish homeowners via the comparison platform.
• Tamamlayıcı Sağlık Sigortası (Supplementary Health Insurance) Health insurance covering the cost difference between SGK (social security) rates and private hospital charges at contracted healthcare providers. Sold to Turkish consumers via the comparison platform.
• Özel Sağlık Sigortası (Private Health Insurance) Comprehensive private health insurance providing broader coverage including inpatient, outpatient, maternity, dental, and optical services. Sold to individuals in Turkey.
• Seyahat Sağlık Sigortası (Travel Health Insurance) Health insurance covering medical expenses during international or domestic travel, including trip cancellation and baggage loss. Sold to Turkish travelers.
• Yabancı Sağlık Sigortası (Foreigners Health Insurance) Health insurance designed for foreign nationals residing in Turkey, required for residence permit applications. Sold to foreign residents in Turkey.
• Kritik Hastalıklar Sigortası (Critical Illness Insurance) Insurance providing lump-sum payment upon diagnosis of serious illnesses such as cancer, heart attack, kidney failure, or organ transplant. Sold to individuals in Turkey.
• Ferdi Kaza Sigortası (Personal Accident Insurance) Insurance covering death, disability, and medical expenses resulting from accidents. Sold to individuals in Turkey.
• Kredi Hayat Sigortası (Credit Life Insurance) Life insurance linked to loans covering death or disability, protecting borrowers and their families. Sold to Turkish borrowers.
• Prim İadeli Hayat Sigortası (Premium Refund Life Insurance) Life insurance that refunds accumulated premiums if the policy matures without a claim. Sold to individuals in Turkey.
• Bireysel Emeklilik Sistemi (Individual Pension System) Private pension investment system allowing individuals to save for retirement with various fund options. Sold to individuals in Turkey.
• Telefon Kaskosu (Phone Insurance) Insurance coverage for smartphones against screen breakage, theft, and accidental damage with replacement guarantees. Sold to Turkish consumers.
• Siber Güvence Sigortası (Cyber Security Insurance) Insurance protecting against internet-based risks including data breaches, cyber attacks, and online fraud. Sold to individuals in Turkey.
• Evcil Hayvan Sigortası (Pet Insurance) Insurance covering veterinary expenses, cancer treatment, X-rays, surgery, and hospitalization for pets. Sold to Turkish pet owners.
• Fatura Koruma Sigortası (Bill Protection Insurance) Insurance covering utility bills and protecting against unexpected financial burdens. Sold to individuals in Turkey.
• Sigortayeri Insurance Comparison Platform Digital insurance brokerage platform aggregating quotes from 20+ insurance companies, enabling consumers to compare prices and coverage options and purchase policies online, via mobile, or through the call center. Licensed under Turkish Insurance Law (5684) and operated as a subsidiary of Aktif Yatırım Bankası A.Ş.
• ASRON SİGORTA Corporate Insurance & Reinsurance Brokerage Corporate insurance and reinsurance brokerage services for businesses and corporate clients in Turkey, operating under the ASRON SİGORTA sub-brand since May 2017. Provides tailored corporate insurance placement and reinsurance intermediation to business customers.

Quantifiable outcome

• 4+ million customers served and 6+ million policies issued as of 2025
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered flagship and core.

• Borusan Next (Borusan Otomotiv)flagshipStrategic or Co-development Partner · 1 April 2026Sigortayeri and Borusan Next entered a strategic partnership allowing Borusan Next's used car and motorcycle buyers to access Sigortayeri's digital insurance infrastructure directly through Borusan Next's platform. Users can view traffic and casco insurance quotes from multiple providers in seconds and purchase the most suitable policy instantly, integrating the insurance purchase into the vehicle buying experience.
• Togg (Türkiye'nin Otomobili Girişim Grubu)flagshipStrategic or Co-development PartnerSigortayeri partnered with Togg to provide insurance solutions for Togg electric vehicle owners through the Trumore application. Togg users can access traffic and casco insurance quotes via Sigortayeri's technology within Togg's digital ecosystem, offering an end-to-end digital insurance experience for smart device owners.
• 20+ Partnered Insurance Companies (Aksigorta, Allianz, Anadolu Sigorta, Ankara Sigorta, Axa Sigorta, Bereket Sigorta, Bupa Acıbadem, Doğa Sigorta, Fiba Sigorta/Gulf Sigorta, Groupama, HDI, Koru Sigorta, Mapfre, Ray Sigorta, Türk Nippon, and others)coreChannel Partner/ Reseller/ DistributorSigortayeri works with over 20 insurance companies, aggregating their quotes on its platform to allow customers to compare offers and purchase policies. The company acts as a multi-channel insurance broker, facilitating policy sales across its partner network.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sigortam.net: One of Turkey's largest online insurance brokers and aggregators, allowing users to compare and purchase policies from multiple insurers. Direct competitor to Sigortayeri in the Turkish digital insurance brokerage market with overlapping product set (traffic, kasko, health, home).
• Poliçe.net: Turkish online insurance comparison platform that aggregates quotes from multiple insurance companies. Directly competes with Sigortayeri in the Turkish market with similar multi-channel retail insurance brokerage model.
• Easypolicy: Turkish insurance comparison and brokerage platform offering multi-line insurance products online. Competes directly with Sigortayeri in the digital insurance intermediation segment in Turkey.

Regional players

• Confused.com: UK insurance price comparison website that aggregates quotes from multiple insurers. Comparable in business model as a digital insurance aggregator brokerage, primarily serving the UK versus Sigortayeri's Turkish market.
• GoCompare: UK-based insurance and financial services comparison platform. Operates an aggregator brokerage model very similar to Sigortayeri but for the UK market across auto, home, and life insurance.
• CompareTheMarket: UK-based price comparison website that aggregates insurance quotes from multiple providers across home, auto, and life insurance. Highly comparable business model of multi-insurer aggregator brokerage, though operating in the UK market rather than Turkey.
• Check24: Germany's leading digital comparison platform spanning insurance, banking, energy, and telecom. Comparable model of multi-product digital aggregation with insurance as a major vertical, though it operates across many categories beyond Sigortayeri's insurance-only focus.

Broad incumbents

• Marsh: Global insurance broker and risk advisor, part of Marsh McLennan. Comparable to Sigortayeri as an insurance and reinsurance broker, particularly to the ASRON SİGORTA corporate brokerage, though at global scale and with broader consulting services.
• Aon: Global professional services firm with a major insurance brokerage and reinsurance brokerage practice. Directly comparable to Sigortayeri's corporate reinsurance brokerage arm (ASRON SİGORTA), though Aon operates at massive global scale across all insurance lines.

Emerging players

• HepiyiSigorta (Trendyol Group): Turkey-based digital insurance platform with embedded insurance capabilities including mobile device protection. Comparable to Sigortayeri in Turkish digital insurance distribution, with emerging strength in embedded and microinsurance use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/sigortayeri
• YouTubeyoutube.com/channel/UC_2OQpNKzY6_QwWsFv844Ww
• Facebookfacebook.com/Sigortayeri
• LinkedInlinkedin.com/company/sigortayeri
• Instagraminstagram.com/sigortayeri

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Sigortayeri