Sigorta Bilgi ve Gözetim Merkezi

What Sigorta Bilgi ve Gözetim Merkezi does

Sigorta Bilgi ve Gözetim Merkezi (SBM) is a quasi-governmental insurance information center established under Article 31/B of Law No. 5684 (Insurance Act) by the Republic of Turkey Ministry of Treasury and Finance, operating within the Türkiye Sigorta ve Reasürans Şirketleri Birliği (Insurance and Reinsurance Companies Association of Turkey). It functions as the sole legally mandated central repository of insurance policy, endorsement, and claim data in Turkey, with TRAMER serving as its traffic-insurance data spine and KTT records dating back to 2003. SBM collects data electronically from every licensed insurer and reinsurer and makes it available to the Ministry, member insurers for underwriting and fraud prevention, and to individual citizens through multiple consumer channels.

Its core products include Sigortam360 and TRAMER360 (web portals for policy and vehicle damage history viewing), the Mobil Kaza Tutanağı (MKT) mobile app for at-scene accident reporting, SMS 5664 for vehicle damage queries, Akıllı Eksper Atama (Smart Expert Assignment), Trafik Sigortası Teklif Karşılaştırma (traffic insurance quote comparison), and a Driver Damage History Certificate service. Distribution is omnichannel: web portal, native mobile apps (App Store / Google Play), SMS short-code, call center (0850 222 0 726), and deep integration with Turkey's national e-Devlet government portal. Its subsidiary SISEB (Sigorta Sahteciliklerini Engelleme Bürosu) handles insurance fraud detection and prevention.

SBM's business model is government-mandated data exchange rather than commercial pricing: it is funded through an İktisadi İşletmesi (economic enterprise) structure that monetizes information services to member insurance companies. Pricing is not publicly disclosed. End customers fall into three segments: (1) insurance and reinsurance companies (B2B data and workflow services), (2) the Ministry of Treasury and Finance (regulatory oversight and statistics), and (3) individual Turkish citizens and vehicle owners (B2C policy/claim/vehicle history access via web, mobile, SMS, and e-Devlet). Geographic scope is domestic Turkey; no international expansion is indicated.

Name

Sigorta Bilgi ve Gözetim Merkezi

Legal name

Sigorta Bilgi ve Gözetim Merkezi

Website

https://sbm.org.tr

Company type

Private

Operating status

Operating

Short description

Sigorta Bilgi ve Gözetim Merkezi (SBM) is Turkey's legally mandated central insurance information hub, established under Insurance Law 5684 by the Ministry of Treasury and Finance to collect and share policy and claim data among insurers, regulators, and citizens via web, mobile, SMS, and e-Devlet channels.

Ownership category

akta.pro rank

Product category

Insurance Information Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Claims Adjusting (524291)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Claims Intake & FNOL Support (BPAAAFAA)

akta.pro secondary industry

Third-Party/Vendor Risk & Due Diligence (TPRM, continuous monitoring) (FSAGAFAJ)

Keywords

• Insurance information services
• Insurance data exchange
• Claims database management
• Traffic insurance registry
• Insurance fraud prevention

Headquarters

HQ city

Istanbul

HQ country

Türkiye

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations

Revenue model

1. Insurance Data Services: SBM provides information services to insurance companies, collecting and sharing policy, claim, and risk assessment data. As a public institution established under the Insurance Law, the center operates to ensure market transparency and prevent insurance fraud.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels3 records

Core offering

Sigorta Bilgi ve Gözetim Merkezi (SBM) operates as Turkey's central insurance information clearinghouse, collecting and electronically sharing policy, endorsement, and claim records from all insurance and reinsurance companies. It provides digital services such as the Sigortam360 web portal, the Mobil Kaza Tutanağı (MKT) mobile app, SMS 5664 inquiry service, expert assignment, traffic insurance quote comparison, and fraud prevention through SISEB, alongside e-Devlet integration for citizens.

Product overview

Sigorta Bilgi ve Gözetim Merkezi (SBM) operates as Turkey's centralized insurance information hub, established by the Ministry of Treasury and Finance. The organization maintains the TRAMER database for traffic and comprehensive insurance claims, and provides a suite of digital services including the Sigortam360 consumer portal for policy viewing, the Mobil Kaza Tutanağı (MKT) mobile app for accident report creation, SMS 5664 for text-based queries, and various expert assignment and claims management tools. Integration with e-Devlet enables citizens to access their insurance information through the government portal. SİSEB (Insurance Fraud Prevention Bureau) handles fraud detection.

Differentiator

Problem solved

Functional benefit

Brands

• Sigortam360: Online platform for querying insurance policies and vehicle damage information
• TRAMER
• Mobil Kaza Tutanağı (MKT)
• SMS 5664
• SISEB

Products and services

• Sigortam360

Quantifiable outcome

• Centralized database tracking all insurance policies and claims in Turkey

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Turkish Insurance and Reinsurance Companies AssociationcoreStrategic or Co-development PartnerSBM operates within the association structure and shares data with member insurance and reinsurance companies for market transparency and fraud prevention.
• e-Devlet (Turkey's Digital Government Platform)coreTechnology or IntegrationIntegration partner enabling Turkish citizens to access their personal insurance policy information (traffic and vehicle insurance) through the government's e-Devlet portal.
• Insurance Companies (Member Companies)coreTechnology or IntegrationAll insurance companies operating in Turkey are connected to SBM's database, sharing policy and claim data electronically for risk assessment and fraud prevention.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• LexisNexis Risk Solutions: Global data and analytics provider serving insurance, financial services, and government with identity verification, fraud detection, and risk scoring. Comparable as a large-scale data infrastructure player monetising aggregated records for underwriting and claims workflows.
• Verisk Analytics: US-listed provider of data analytics, fraud detection, and underwriting solutions to the global insurance industry. Comparable as a commercial-scale insurance data and analytics platform — the private-sector equivalent of what SBM could become with monetisation layered onto its mandate.

Others

• Kasko Sigorta Şirketleri (Turkish P&C Insurers Collective): The umbrella trade body (Türkiye Sigorta ve Reasürans Şirketleri Birliği) under which SBM operates, representing all Turkish insurers. Comparable as the industry-coordination ecosystem around which SBM's data mandate is structured.
• SGK (Sosyal Güvenlik Kurumu): Turkey's Social Security Institution operating the national health and pension records database. Comparable as a state-affiliated data utility with similar e-Devlet integration profile and policyholder-level data aggregation mandate, though focused on social rather than private insurance.

Direct peers

• NICB (National Insurance Crime Bureau): US non-profit organisation dedicated to preventing and combating insurance fraud through data analytics, intelligence sharing, and cross-carrier collaboration. Directly comparable to SİSEB (SBM's fraud prevention subsidiary) in mission and operating model.
• Motor Insurers' Bureau (UK): UK organisation enabling cross-insurer data sharing on motor policies, claims, and uninsured drivers. Comparable as a national-level, legally-anchored motor insurance information clearinghouse with cross-carrier data aggregation.
• TÜVTÜRK (TÜV Türk Araç Muayene İstasyonları): Turkey's mandated vehicle inspection body, also government-affiliated, operating a national database of vehicle records. Comparable as another quasi-governmental infrastructure provider that aggregates nationwide vehicle data and delivers consumer-facing services through physical/digital channels.
• Insurance Information Institute (III): US non-profit industry association producing authoritative insurance statistics, research, and consumer information. Comparable to SBM's reporting/analytics function (KTT reports, mortality tables, market statistics) serving insurers and regulators.
• Findeks (CRIF Türkiye): Turkey's leading consumer and commercial credit bureau, providing centralised risk data, credit scoring, and identity verification services. Comparable as a centralised national data utility that monetises aggregated records for financial decision-making (underwriting, lending, fraud).

Emerging players

• Insurance Regulatory and Development Authority of India (IRDAI) - Insurance Information Bureau: India's industry-wide insurance data repository under IRDAI, aggregating policy and claims data across insurers. Direct international analogue to SBM's mandate, though more nascent in productising the data.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• Facebookfacebook.com/sigortabilgivegozetimmerkezi
• YouTubeyoutube.com/channel/UCwLqT2w
• LinkedInlinkedin.com/company/sbmkurumsal

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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

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