Sigorta

What Sigorta does

Kaleli Sigorta Aracılık Hizmetleri is a Turkey-based insurance intermediary founded in 2009 that connects individual consumers and small businesses with insurance carriers for four core product lines: comprehensive motor vehicle insurance (kasko), mandatory third-party traffic insurance, commercial property (işyeri) insurance, and residential property (konut) insurance. The firm operates a sales-led distribution model through three direct channels — a self-serve website with online policy forms and instant quote screens, phone-based consultative sales, and legacy live MSN Messenger support — supplemented by a Paydaş (stakeholder) referral partner program that allows external parties to refer customers.

The company earns revenue exclusively through carrier commissions on placed policies (transaction-fee model); no premiums pass through the firm, no proprietary underwriting occurs, and no pricing is publicly disclosed. Ancillary services include an automated policy-renewal reminder function and claims-filing assistance that integrates with Tramer, Turkey's central traffic accident registry, and aligns with TSRSB industry-association documentation standards.

The technology stack is minimal and dated: a basic website with online forms and a quote screen, no mobile application, no APIs, no disclosed integrations beyond Tramer, and no proprietary data assets. Headcount is reported at 758, which is anomalous relative to the modest digital footprint and suggests the figure includes Paydaş referral agents or other non-employee contributors rather than core staff. Ownership is private with no disclosed parent, investors, or leadership changes; the company has no documented funding, M&A, or expansion activity beyond its founding-era setup.

Name

Sigorta

Legal name

Kaleli Sigorta Aracılık Hizmetleri

Website

https://kalelisigorta.com.tr

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Kaleli Sigorta Aracılık Hizmetleri is a Turkey-based insurance intermediary, founded in 2009, that places motor, commercial property, and home insurance policies for individual consumers and small businesses via a website, phone sales, MSN live support, and a Paydaş referral partner program, earning carrier commissions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAJ

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Insurance brokerage services
• Motor vehicle insurance
• Traffic insurance intermediation
• Commercial property insurance
• Residential home insurance

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediary Commissions: The company operates as an insurance intermediary (sigorta aracılık hizmetleri), generating revenue through commissions from insurance companies by connecting customers with appropriate insurance policies for motor vehicles, businesses, and homes.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Kaleli Sigorta Aracılık Hizmetleri is an insurance intermediary (broker) that sells and services motor vehicle insurance (kasko and mandatory traffic insurance), commercial property insurance (işyeri sigortası), and residential home insurance (konut sigortası) on behalf of insurance carriers in Turkey. The firm generates quotes through its online policy platform, phone service, and live MSN support, and assists customers with claims filing and policy renewal tracking. Revenue is earned via commissions from insurance carriers on policies placed.

Product overview

Kaleli Sigorta Aracılık Hizmetleri operates as an insurance brokerage firm offering a portfolio of core insurance products including Kasko (comprehensive vehicle), Trafik (traffic liability), işyeri (business), and konut (residential) insurance. The company provides both traditional brokerage services through phone and email consultation, and a digital channel via their online policy system where customers can submit forms and receive quotes. Additional services include policy renewal reminders and damage claim processing that integrates with Turkey's central traffic accident registry (Tramer). The product architecture consists of core insurance products supported by digital self-service tools and claims management services.

Differentiator

Problem solved

Functional benefit

Products and services

• Kasko Sigortası (Comprehensive Vehicle Insurance) Voluntary comprehensive motor vehicle insurance covering damage, theft, and accidents for cars and motor vehicles, offered to individual vehicle owners and small business fleet customers in Turkey through Kaleli Sigorta's brokerage.
• Trafik Sigortası (Mandatory Traffic Insurance) Statutorily required third-party liability insurance for motor vehicles under Turkish traffic law, placed by Kaleli Sigorta on behalf of vehicle owners.
• İşyeri Sigortası (Commercial Business Insurance) Insurance coverage for commercial premises and business operations, protecting small business owners against property damage, liability, and related operational risks.
• Konut Sigortası (Home/Residential Insurance) Insurance coverage for residential properties protecting homeowners against property damage, theft, and other household risks.
• Hasar Dosyası Hizmeti (Damage Claim Processing Service) Claims filing and processing support for traffic accidents, vehicle damage, injury, and death compensation cases, including guidance on required documentation and coordination with the insurance carrier and the Tramer system for fault determination.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• Tramer (Türkiye Sigorta Bilgi ve Gözetim Merkezi)minorOthersTramer is referenced as the central database for traffic accident reports. When a traffic accident occurs, insurance companies submit the accident report to Tramer, which then provides fault determination information to the relevant insurance company within 3 business days.
• TSRSB (Trafik Sigortacıları Reasürans Sigorta Birliği)minorOthersTSRSB is mentioned as a resource where customers can obtain sample accident report forms, alongside their insurance agent and the Tramer website.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Brown & Brown: Large U.S.-headquartered insurance brokerage with expanding international footprint. Comparable as a P&C intermediary, though focused on different geographies and commercial segments.
• Aon Turkey: Global insurance and reinsurance broker with a Turkish presence. Comparable as a full-service insurance intermediary serving commercial clients across P&C, life, and benefits lines.
• Arthur J. Gallagher (Gallagher Turkey): International insurance brokerage with Turkish operations. Comparable as a P&C and benefits intermediary operating in the same general commercial insurance distribution space.
• Lockton: Independent global insurance broker. Comparable as an insurance intermediary, with overlap on commercial P&C and specialty lines in regional markets including Turkey-adjacent geographies.
• Willis Towers Watson (WTW Turkey): Global insurance brokerage and advisory firm active in Turkey. Comparable as a multi-line insurance intermediary, with stronger specialization in corporate and specialty lines than Kaleli.
• Marsh & McLennan (Marsh Turkey): Global insurance brokerage and risk advisory firm with Turkish operations. Comparable as a multi-line insurance intermediary, though operating at much larger scale across commercial and specialty lines.

Others

• Allianz Sigorta: Major Turkish P&C insurer that distributes through its own agency and broker channels. Comparable as an adjacent participant in the same Turkish P&C value chain where Kaleli intermediates policies.
• Anadolu Sigorta: Leading Turkish P&C insurer with agency and brokerage distribution. Comparable as an upstream insurance carrier partner in the same Turkish distribution ecosystem.

Emerging players

• Koalay: Emerging digital insurance broker and comparison platform operating in Turkey. Comparable as a younger, tech-enabled intermediary addressing the same motor, home, and health insurance segments as Kaleli.

Direct peers

• Sigortam.net: Turkey's leading online insurance comparison and brokerage platform, offering motor, home, and health insurance. Directly comparable as a Turkish insurance intermediary operating with a digital-first model versus Kaleli's traditional multi-channel approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/sigorta

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 Sigorta