Activities
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Assessment of Aksigorta’s Operations in 2024
Assessment of Aksigorta’s Operations in 2024
Aksigorta is always a reliable companion on its customers’ risk journey.
Customer-Oriented Solutions
Adopting the concept of providing easy, simple and accessible insurance services to its customers, Aksigorta is always a reliable companion on its customers’ risk journey.
Aksigorta continues to expand the conveniences it offers to its customers through the Marketplace menu on its mobile application.
Aksigorta Mobile Application
Aksigorta’s mobile application stands out as part of the strategy aiming to make the insurance experience more accessible and personalized for customers and offers customers a digital service point that provides multichannel access. Thus, it gives customers freedom and flexibility across different channels, while also enabling Aksigorta to offer more value to customers through collaborations in different sectors. With the application, the transition from policy management to risk management was initiated.
With the video risk consultant service offered to customers, the application has assumed the role of a consultant on how to manage the risks in their lives and to protect their assets. Aksigorta continues to make the application experience more useful for customers as most customers do not work with a single insurance company. The mobile application allows users to add their insurance policies from other companies and monitor their coverage directly from the Aksigorta app. With this innovative feature, Aksigorta customers can monitor their entire portfolio from a single address. Aksigorta has been introducing many new features in its mobile application in order to support its customers in every situation. Aksigorta developed the claims consultant feature in the mobile application and enabled customers to talk to their consultants about claims processes via live chat at any time. Aksigorta redesigns the complex policy environment with a customer-oriented perspective and reflects it on screens. Designing a platform structure that makes the advantages and added value of insurance clear to customers at all times, not just at the moment of damage, Aksigorta created an ecosystem that takes the risk management of its customers beyond insurance with the collaborations established in the marketplace.
Aksigorta collaborates with reliable brands so that customers can protect their assets in life not only with insurance products, but also through services that support insurance, and the Company enabled customers to access these services at advantageous prices.
Marketplace Opportunities
Aksigorta has entered into a new collaboration with Open English, continuing to expand the conveniences it offers to its customers through its mobile application and the Marketplace menu. As part of the collaboration with Open English, one of the world’s most effective online English learning platforms, Aksigorta customers have the opportunity to benefit from a 65% discount.
Recently, Aksigorta mobile application, which has made life easier for its users by providing Aksigorta policyholders with 100 TL points for every TL 1,000 or more of their purchases made with CarrefourSA cards and a 20% discount on all products sold through the Sütiş Çiftliği online market, also stands out by offering a digital service point that will integrate with all other channels for customers.
As part of Aksigorta’s collaboration with Brisa, Aksigorta mobile app users are entitled to an additional 250 TL discount on Lassa and Bridgestone tires purchased through Brisa’s online tire sales platform, lastik.com.tr. This discount is applied on top of the existing website campaign and is valid for purchases of four tires.
Within the scope of the collaboration between Aksigorta and ooAutos, Türkiye’s first digital car assistant application, ooAutos Car Wash Service was offered with a 20% discount to all Aksigorta customers throughout Türkiye. Aksigorta customers who wanted to benefit from the campaign could get their special discount code from the Marketplace menu in the Aksigorta mobile application and benefit from the discount. The collaboration between Aksigorta and ooAutos Car Wash Service continued until the end of the last year.
Aksigorta makes its customers’ lives easier with the “Talking Policy” application.
Instant solution with ClaimsChat
Aksigorta’s ClaimsChat application provides a fast-chat return to the customer in response to a claim filing and uses AI to create a WhatsApp group, including an expert, case manager, the service, and customer representative as members. Transparent and rapid communication is ensured with the WhatsApp group created shortly after the claims notice. When the process is completed, the AI executes a sentiment analysis of the conversation and sends the data to the CRM system. Aksigorta digitalized the claims quotation stage with its chatbot app, thus making all its defined operational services faster and more reliable for customers.
Talking Policy
Continuing to develop its products and services to match customer expectations, Aksigorta makes its customers’ lives easier with the “Talking Policy” application. In this context, Aksigorta customers who buy a homeowners insurance policy from Aksigorta can both listen to and watch the homeowners insurance product contents and guarantees specific to them, with real-world examples for better understanding.
In this way, Aksigorta makes homeowners insurance policies more understandable for customers while also increasing the visibility and awareness of insurance products. Additionally, with this application, Aksigorta customers with hearing impairments and language barriers can easily access information about the scope of their policies. In addition to accessing the informative videos via the QR code on the cover page of their physical homeowners insurance policies, customers can also access them via the Aksigorta mobile application and Aksigorta social media accounts.
Products
Aksigorta acts with an approach that adopts customer satisfaction and needs as its main focus, updates its existing product portfolio in line with customer feedback, and also designs new products to make customers’ lives easier.
Aksigorta has introduced the “Aksigorta Pati Plus VetAmerikan” insurance alongside the Pati and Pati Plus products, which are based on the needs of our furry friends.
Renewable Energy Loss of Profit Insurance
Acting with the aim of protecting what is valuable with its new generation insurance approach, Aksigorta continues to offer new products to its customers. To support its efforts for sustainability and preservation of the nature, Aksigorta developed the “Renewable Energy Loss of Profit Insurance” product, which provides protection against risks such as natural disasters, fire and loss of profits at wind and solar power plants, for all individuals and organizations that produce energy from renewable resources, use this energy and offer it to the public. This product covers the financial losses of the insured arising from the cessation of energy sales. In addition, Aksigorta also supports the business continuity of its corporate customers with this guarantee, which also covers risks such as lightning, natural disasters and storms.
Enjoy Blue in a Different Way with Aksigorta
While Aksigorta Yacht Insurance protects the insured boats against accidents and dangers that may be encountered at sea, it also covers damages that may be caused to other boats, the marina or third parties. Allocating a dedicated call center line to Yacht Insurance customers, Aksigorta has launched many innovations to the advantage of its customers, with discounts of on marina fees, boat maintenance expenses, marinas and bay facilities, and boat materials, valid at contracted organizations. Aksigorta Yacht Insurance not only provides coverage for the insured yacht and its machinery and equipment, but also provides 24/7 yacht assistance service – from treatment expenses to sending spare keys, and from temporary captain service to spare parts assistance –in the event of an accident, injury or illness. The insurance is also activated if the yacht, service boats, machinery or equipment are stolen. At the same time, in accidents caused by the yacht, the Yacht Insurance also covers damages to surrounding vessels and the people in them, as well as fixed and mobile objects such as ports, piers, and quays.
Aksigorta Pati Plus VetAmerikan
Aksigorta has introduced the “Aksigorta Pati Plus VetAmerikan” insurance alongside the Pati and Pati Plus products, which are based on the needs of our furry friends. Aksigorta Pati Plus VetAmerikan, a special health insurance product for pets, offers insurance coverage with the highest outpatient and inpatient treatment limits in the industry for cats and dogs ranging from
TL 25 thousand to TL 150 thousand. With this product, which can be redeemed at VetAmerikan Animal Hospital in Istanbul, pets have the opportunity to receive treatment at Türkiye’s largest and most comprehensive private animal hospital and benefit from the advantages of Pati Plus VetAmerikan.
As a special occasion for the launch of Pati Plus VetAmerikan, Aksigorta gave a 500 TL gift card redeemable at Petlebi to the first 250 customers who purchased a Pati Plus VetAmerikan Insurance policy. The codes, valid until December 31, were used for purchases on petlebi.com.
Aksigorta assumed the brand MOD insurance coverage of BYD branded 100% electric vehicles, which went on sale in Türkiye.
BYD on Turkish Roads with Aksigorta Assurance
Aksigorta continues to expand its transportation network with new collaborations. Aksigorta assumed the brand MOD insurance coverage of BYD branded 100% electric vehicles, which went on sale in Türkiye in November. With this collaboration, electric vehicles that will be launched by BYD Türkiye dealers will be insured exclusively by Aksigorta for customers that choose e-kasko. Offering 100% battery assurance without any exemptions throughout the manufacturer’s warranty, the e-kasko product also stands out among competition as it offers customers an unlimited towing service, in case of a breakdown or accident, from anywhere in Türkiye to the authorized service stations where the vehicle repairs will be carried out. It also provides protection in case of theft or damage to charging equipment. e-kasko offers a free towing service to the nearest charging point in case the battery runs out on the road, as well as full protection against possible incorrect charging damage to the battery. e-kasko policyholders also have many coverage options such as mobile charging service against battery depletion and a 10% discount advantage on every charging transaction at Eşarj stations. In addition, the Company supports efforts to reduce its carbon footprint by planting saplings through the Aegean Forest Foundation on behalf of customers who have an e-kasko policy.
Collaboration between Aksigorta and Arvento
Aksigorta established a collaboration with Arvento, which develops and produces vehicle tracking and fleet management systems, object-person tracking systems, boat tracking systems, and M2M solutions. Accordingly, owners of 1-10 vehicles using Arvento tracking devices will receive a 20% price advantage when they get a new MOD insurance policy or policy renewal from Aksigorta. Users who have at least 6 months before the expiration of their Arvento device activation will be able to benefit from the discount once per device.
Other Main Developments
In 2024, Aksigorta continued to contribute to society and make successful efforts through high-level changes, social responsibility projects and new certificates.
Aksigorta and AgeSA continue to make significant changes in their organizational and senior management structures in line with the needs and strategic goals of the new era.
Sabancı Holding Financial Services Group Integration Activities
Aksigorta, one of the pioneers of the elementary insurance sector, and AgeSA, one of the leading companies in the private pension and life insurance sector, continue to make significant changes in their organizational and senior management structures in line with the needs and strategic goals of the new era.
In this context, Fırat Kuruca, has been appointed as General Manager at Aksigorta in addition to his role of General Manager at AgeSA.
Within the scope of the Sustainability Principles Compliance Framework and in line with the efforts for compliance with Environmental, Social, Corporate Governance Principles and the basic principles of diversity, inclusiveness and equality, a new role called Chief Diversity and Inclusion Officer has been established at Aksigorta and AgeSA in order to improve the sustainability of the business environment and inclusion and to contribute to corporate sustainability in the long term. In this context, Burak Yüzgül, who continues his duty as Assistant General Manager of Human Resources and Sustainability at Aksigorta and AgeSA, has been appointed as Chief Diversity & Inclusion Officer (CDIO) as of October 1, 2024, in addition to his current duties and responsibilities. Thus, Yüzgül has assumed the role of CDIO at both Aksigorta and AgeSA.
In addition, Selim Avşar, Assistant General Manager of Bancassurance at AgeSA, took over the management of Aksigorta’s bancassurance channel and was appointed as Assistant General Manager of Bancassurance. This strategic appointment is intended to create a significant synergy in bancassurance activities and help manage all operations in this field with a broader vision.
An organizational restructuring was also carried out in order to gather the corporate sales activities of Aksigorta and AgeSA under a single roof and within this framework, a change of duties took place effective from January 1, 2025. Mustafa Erdoğan, Aksigorta Corporate Sales Director, has been appointed as the Assistant General Manager of Corporate Sales in both companies, in addition to his current duties and responsibilities, and will also be responsible for AgeSA Corporate Projects activities. In line with this organizational change, in addition to Aksigorta Broker, Captive and Direct Sales Channel and Corporate Agency/Bank and Health Sales Channel Functions, AgeSA’s Corporate Projects Group Directorate activities will continue to be carried out under the Corporate Sales organization reporting to Erdoğan.
Aksigorta Published the TCFD Report
Offering a new generation insurance approach with sustainability-focused approaches, Aksigorta is among the organizations that support the fight against climate change. Publishing the TCFD (Task Force on Climate-Related Financial Disclosures) report, Aksigorta has transparently disclosed its processes for understanding, analyzing and adapting to climate risks. As a signatory of the United Nations Global Compact (UNGC), Aksigorta further strengthens its sustainability performance with each day passing.
Carbon Net Zero Target by 205
Further strengthening its sustainability performance each year, Aksigorta carries out projects aimed at minimizing the direct and indirect environmental impact of its operations. Accelerating its digitalization efforts in line with its paperless insurance target, Aksigorta initiated a process to reduce paper consumption to the extent allowed by law. Many documents and notifications were digitalized, saving approximately 11 tons of paper. Aksigorta, which holds a Green Office certificate from WWF Türkiye, has carried out communication activities to raise awareness on energy efficiency and waste management in its offices. Having achieved 200% of its sustainability targets set by senior management in the last two years, Aksigorta continued to work to raise awareness about sustainable products and services and prepared content to inform sales teams about the sustainability features of its products.
Aksigorta carries out projects aimed at minimizing the direct and indirect environmental impact of its operations.
BIST Sustainability Index
Increasing its sustainability score, Aksigorta was recently included in the BIST Sustainability Index, where companies are evaluated according to international sustainability criteria on environmental, social, corporate governance, human and employee rights, and transparency. In this context, Aksigorta received the appropriate score in the Refinitiv’s valuation methodology, which consists of three main headings of the BIST Sustainability Index, namely environmental, social and corporate governance, as well as 10 categories, 25 themes and more than 450 data points related to these themes.
Women’s Empowerment Principles (WEPs)
Aksigorta is committed to providing a democratic working environment for its employees with the awareness of gender equality. To this end, Aksigorta became a signatory to the Women’s Empowerment Principles (WEPs) established by the United Nations Gender Equality and Women’s Empowerment Agency and the United Nations Global Compact. By signing this set of guidelines, Aksigorta has strengthened many of its current efforts on gender equality in line with the seven basic principles of WEPs. In 2013, Aksigorta signed the Declaration of Equality at Work in order to raise awareness of gender equality across the organization. Today, 54.4% of Aksigorta’s employees and 36.6% of its executive staff are women.
Aksigorta has provided TL 3 million in support of the well-being of the earthquake-affected region in cooperation with Needs Map.
By displaying a gender-neutral approach in all communication channels, Aksigorta strives to bring equality between men and women to every platform where it participates. Aksigorta further supports the issue of gender equality with specialized trainings and seminars.
Certificate of Equality for Women at Work
Defending gender equality in the business world as well as in all areas of life, Aksigorta added yet another certificate to those it received with its efforts in this context. Aksigorta, of which 54.4% of its employees are women, was awarded the Equality for Women at Work Certificate after an independent audit conducted in cooperation with the Sustainability Academy and the British audit company Intertek. It works on initiatives that will add value to women’s lives both inside and outside the Company.
Institutions that offer equal rights and opportunities to women in business life are awarded the Equality for Women at Work Certificate when they get sufficient points after an independent audit conducted in cooperation with the Sustainability Academy and the British audit company Intertek. Aksigorta, which received 90 points in the audit where the passing grade is 70 points to obtain the certificate, was evaluated on topics such as ensuring gender equality and non-discrimination, establishing an effective management system against discrimination, providing safe working conditions, building mechanisms to prevent violence and harassment, informing the supply chain in line with policies, creating social impact for gender equality and women’s empowerment, and ensuring the participation of all stakeholders in the solution.
Aksigorta Continues to Provide Aid to the Earthquake Zone
Last year, Aksigorta launched the “Hayata Devam Türkiye (Keep Living Türkiye) - Earthquake Risk Transfer Project,” which is a continuation of the ‘Keep Living Türkiye’ project that was implemented between 2010-2015. The project also provides guidance regarding measures that can be taken against earthquakes and the necessity of transferring possible risks to an insurance organization. Within the scope of the project, collaboration was made with Needs Map, and an aid fund was created for the earthquake-stricken region. As the first step of this aid fund, 20 container houses were provided with the support of Needs Map. As part of the Keep Living Türkiye project, where a portion of each home policy is converted into support for the earthquake-stricken region, Aksigorta has provided 3 million TL in support of the well-being of the earthquake-affected region in cooperation with Needs Map in line with 37,500 new policies. In this way, Aksigorta transferred TL 69.9 billion worth of earthquake risk to Aksigorta in order to heal the wounds of the region and minimize the damage that may occur in a possible earthquake. Thus, Aksigorta supported the establishment and improvement of the Living Area in Kahramanmaraş with a capacity to accommodate 115 houses to be installed and managed by Needs Map. Plans are made to carry out production and entrepreneurship activities, especially with the participation of women, in the Living Area, which was established with the dream of a better future for those affected by the earthquake.
Aksigorta became the owner of the renewable energy certificate I-REC as part of its efforts to protect the future of the world.
Aksigorta Agencies Turned Their Route to Phuket
Keeping customer satisfaction at the highest level in the insurance sector with its extensive agency network of over 3,500 agencies throughout Türkiye, Aksigorta also rewards the architects of this success. Premium Aksigorta agents who met the eligibility criteria in the agency campaigns throughout the year in 2023 and thus gained the travel chance had a pleasant trip to Phuket. Also attending the trip were Osman Akkoca, Assistant General Manager of Aksigorta Agencies and Bancassurance; Tolga Tezbaşaran, Assistant General Manager of Retail Product, UW and Customer Management; Deniz Ceylan, Assistant General Manager of Corporate Technical and Reinsurance, and Mustafa Erdoğan, Corporate Sales Director.
Aksigorta Agencies Were in Barcelona
Aksigorta agencies that showed superior performance in the last quarter campaign of 2023 were rewarded with a pleasant trip to Barcelona, one of the most popular cities in Spain. Also attending the trip were Osman Akkoca, Assistant General Manager of Agencies; and Tolga Tezbaşaran, Assistant General Manager of Retail Product, UW and Customer Management.
I-REC Renewable Energy Certificate
Aksigorta became the owner of the renewable energy certificate I-REC as part of its efforts to protect the future of the world. With this certificate it gained, Aksigorta proved that it meets its electricity needs from renewable resources, and took a serious step towards becoming a sustainable company. The company, which will renew its I-REC certificate every year, has thus made a commitment to continue using clean energy.
Renewable Energy Certificates (RECs), created with the aim of spreading renewable energy investments and consumption, aim to create a reliable market by tracking each unit of electricity produced, starting from its source, until it reaches the consumers. In this context, RECS International’s I-REC contributes to consumers making conscious choices to ensure that they consume energy derived from renewable energy sources.
UN Global Compact Membership
Leading the business world with more than 15 thousand company members and more than 5 thousand non-company members in over 160 countries, Aksigorta became a member of the United Nations (UN) Global Compact, the world’s largest corporate sustainability initiative. Aksigorta, which supports the UN Global Compact’s struggle for human rights, labor standards, environment and corruption, will continue its efforts to make these principles a part of the Company’s strategies, corporate culture, and daily activities.
Committed to participate in collaborations that support the development of the United Nations’ comprehensive development goals, especially the Sustainable Development Goals, Aksigorta will present its progress report to the UN Global Compact each year.
Global Compact Türkiye, the local network of UN Global Compact in Türkiye, supports the development of its members in the field of sustainability with its activities and the resources it provides, while serving as a meeting point for sharing good practices and establishing collaborations both locally and globally.
Aksigorta has become a member of the PSI Initiative, which provides global guidance on the integration of ESG risks into insurance underwriting.
Aksigorta Removes Barriers on All Its Digital Channels with BlindLook Collaboration
Continuing its customer-oriented work with a next-generation insurance approach, Aksigorta launched a new collaboration within this context. As part of the collaboration with BlindLook, which designs emancipatory technology experiences for the visually impaired people, a voice guidance feature has been activated for the visually impaired at aksigorta.com.tr, online.aksigorta.com.tr, and the Aksigorta mobile application. With this feature, Aksigorta offers its customers an inclusive and barrier-free digital insurance experience. This year, Aksigorta was also included in the EyeBrand Map, which sets accessibility standards in the digital world to eliminate the difficulties faced by the visually impaired and ensures their implementation
PSI Membership to Aksigorta
Aksigorta has become a member of the Principles for Sustainable Insurance (PSI) Initiative, which provides global guidance on the integration of PSI, environmental, social and governance (ESG) risks into insurance underwriting.
Big Bang Startup Challenge
Offering a customer-oriented insurance experience through digital transformation, Aksigorta, as a traditional İTÜ Çekirdek Gold Stakeholder, supported start-ups developing AI technologies in the fields of building and infrastructure health and safe driving at the Big Bang Startup Challenge this year. In this context, Aksigorta provided grant support to Sensed AI, which is an innovative earth observation company. Sensed AI offers specialized urban and agricultural monitoring services, provides insights into the physical integrity and health of buildings and critical infrastructure on a regular basis. Aksigorta also supported the SmartIR startup, which develops AI technologies that provide in-depth insights for security and operational efficiency by performing physiological and behavioral analyses of objects and people. The Company provided a total of TL 600 thousand in grant support, TL 300 thousand for each startup.
