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Digitalization

Digital Assistant Takes Over in Insurance: First Policy Sale Shakes the Sector

October 12, 2026

“The first policy sale completed through Koalay Sigorta's digital assistant has reignited the digitalization debate in the sector, while the comprehensive motor insurance (kasko) and private pension (BES) fronts also had a busy day.”

Summary

The first policy sale completed through the digital assistant of an Istanbul-based insurance company became the most talked-about story in the sector today. The assistant developed by Koalay Sigorta managed a customer's health insurance request from start to finish and effectively sold the policy. This has become a concrete example showing that the insurance purchasing process can now be completed without any need for a human representative. The Koalay brand, which also stands out as a comparison platform, gained visibility on both the price comparison and sales fronts at the same time. This development signals that competitors in the digital health insurance segment will also accelerate similar solutions.

Details

Meanwhile, on the pension front, Garanti BBVA Emeklilik made its name heard again in the private pension system with new funds added to its portfolio and the awards it received. The company's strategy of expanding its fund variety stands out as a move aimed at customers seeking long-term savings. Similarly, Anadolu Hayat Emeklilik and Türkiye Hayat Emeklilik frequently announced their names in private pension (BES) and life insurance topics, and both institutions appear to be reaping the fruits of their efforts to build long-standing customer loyalty. On the motor insurance side, Allianz Türkiye responded directly to the growing insurance needs of electric vehicle owners by expanding its mobility and electric vehicle focused packages. This step is a clear indication that the electric transformation in the automotive market is also reflected in insurance products. Allianz Sigorta, with updates on its comprehensive motor (kasko) and traffic insurance pages, presented a different face of the same brand and stayed on the agenda of consumers looking for vehicle insurance. Türkiye Sigorta strengthened its corporate visibility with Insurance Week events held nationwide between October 5 and 11, while reinforcing its leadership claim in the sector with new cooperation and project announcements. On the price comparison front, Sigortam.net tried to offer consumers long-term assurance with its difference payment and price guarantee valid until December 31, 2026. Dijipol, with its content on October traffic insurance premium increases, guided consumers in their search amid rising costs. Looking at this picture, a day has passed in which both traditional players and digitally focused platforms made moves on different fronts at the same time, and competition has become multi-layered.

Key Findings
  1. 1On the price comparison front, Sigortam.net tried to offer consumers long-term assurance with its difference payment and price guarantee valid until December 31, 2026.
  2. 2The first policy sale completed through the digital assistant of an Istanbul-based insurance company became the most talked-about story in the sector today.
  3. 3The assistant developed by Koalay Sigorta managed a customer's health insurance request from start to finish and effectively sold the policy.
  4. 4This has become a concrete example showing that the insurance purchasing process can now be completed without any need for a human representative.
  5. 5The Koalay brand, which also stands out as a comparison platform, gained visibility on both the price comparison and sales fronts at the same time.

Conclusion

By the end of the day, the picture that emerged shows that the Turkish insurance sector is no longer transforming along a single axis, but on multiple fronts at once. On one side, digital assistants are directly involved in the sales process. On another, electric vehicle and mobility-focused motor insurance products are becoming widespread. On yet another, the classic trust-building efforts in BES and life insurance continue simultaneously. From the consumer's perspective, this multi-faceted activity reveals that expectations for faster yet more personalized service have become the everyday reality of the sector.