{"id":2159,"date":"2023-09-20T18:35:43","date_gmt":"2023-09-20T15:35:43","guid":{"rendered":"http:\/\/karen1.online\/?p=2159"},"modified":"2025-10-09T14:52:09","modified_gmt":"2025-10-09T11:52:09","slug":"nakliyat-sigortasi","status":"publish","type":"post","link":"https:\/\/www.karengm.com\/?p=2159","title":{"rendered":"Nakliyat Sigortas\u0131"},"content":{"rendered":"\n

Nakliyat Sigorta Poli\u00e7esi<\/p>\n\n\n\n

 Nakliyat Sigortalar\u0131-Nakliyat Sigorta Poli\u00e7esi<\/strong><\/p>\n\n\n\n

Nakliyat Sigortas\u0131 Nedir?<\/strong>

Nakliyat Emtia Sigortas\u0131 ile mallar\u0131n bir yerden di\u011fer bir yere ta\u015f\u0131nmas\u0131, bu ta\u015f\u0131ma s\u0131ras\u0131nda kar\u015f\u0131lanan tehlikeler ulusal ve uluslararas\u0131 ekonomiler i\u00e7in g\u00f6z ard\u0131 edilmeyecek derecede \u00f6nemli olgulardan biridir. Dolay\u0131s\u0131yla mallar\u0131n ta\u015f\u0131nmas\u0131 s\u0131ras\u0131nda kars\u0131la\u015facaklar\u0131 tehlikeleri g\u00fcvence alt\u0131na almas\u0131 Nakliyat Emtia Sigortalar\u0131n\u0131n konusunu olu\u015fturmaktad\u0131r. \u00d6nceleri denizlerde ba\u015flayan ta\u015f\u0131mac\u0131l\u0131k daha sonra demiryollar\u0131 ve karayollar\u0131n\u0131 g\u00fcn\u00fcm\u00fczde ise havayollar\u0131n\u0131 da kapsam\u0131na alm\u0131\u015ft\u0131r.. Ta\u015f\u0131mac\u0131l\u0131\u011f\u0131n geli\u015fmesi ile birlikte Nakliyat Emtia Sigortalar\u0131n\u0131n kapsam\u0131 b\u00fcy\u00fcm\u00fc\u015f, ta\u015f\u0131mac\u0131l\u0131\u011f\u0131n do\u011fal tehlikelerine ilave olarak mallar\u0131n do\u011fal niteliklerinden do\u011fan tehlikeler ile baz\u0131 ticari tehlikeleri de kapsama dahil edilmi\u015ftir.

Ta\u015f\u0131t\u0131n u\u011frayaca\u011f\u0131 kazadan mala gelebilecek ziyan veya hasara kar\u015f\u0131 olabildi\u011fi gibi, b\u00fct\u00fcn tehlikeleri kapsayacak \u015fekilde de yap\u0131labilmektedir. 
*Denizde geminin batmas\u0131, oturmas\u0131, \u00e7at\u0131\u015fmas\u0131, devrilmesi sonucu mallar\u0131n tam veya k\u0131smi hasara u\u011framas\u0131 ve bunlarla ilgili kurtarmaya veya m\u00fc\u015fterek avarya masraflar\u0131 
*Karada kamyon ve trenin \u00e7arp\u0131\u015fmas\u0131, devrilmesi, yanmas\u0131, \u00e7arpmas\u0131 veya yoldan \u00e7\u0131kar\u0131lmas\u0131, y\u0131ld\u0131r\u0131m, seylap, dere ta\u015fmas\u0131, \u00e7\u0131\u011f, toprak veya da\u011f heyelan\u0131, k\u00f6pr\u00fclerin y\u0131k\u0131lmas\u0131 veya \u00e7\u00f6kmesi mallar\u0131n tam veya k\u0131smi hasar\u0131. Dar kapsaml\u0131 sigortalara karayolu ile yap\u0131lan ta\u015f\u0131malarda hari\u00e7 tutulan y\u00fckleme aktarma tehlikeleri istendi\u011fi takdirde eklenebilmektedir. Geni\u015f kapsaml\u0131 Nakliyat Emtia Sigortalar\u0131 genel olarak ta\u015f\u0131t arac\u0131 ayr\u0131m\u0131 yap\u0131lmaks\u0131z\u0131n (gemi, kamyon, tren, u\u00e7ak) b\u00fct\u00fcn tehlikeleri kapsamaktad\u0131r. 
     
Fakat ;
*Sigortal\u0131n\u0131n kasti hareketine y\u00fcklenebilen ziyan ve hasarlar, 
*Ola\u011fan akma, fire, a\u015f\u0131nma veya y\u0131pranmalar; 
*Mallar\u0131n ambalaj yetersizli\u011fine y\u00fcklenebilen ziyan veya hasarlar Gecikmeden do\u011fan ziya veya hasarlar hari\u00e7 tutulmaktad\u0131r.<\/p>\n\n\n\n

Emtia Nakliyat Sigortas\u0131 Neleri Kapsar?<\/strong><\/p>\n\n\n\n

Sigortaya konu olan Emtian\u0131n bir noktadan ba\u015fka bir noktaya gidi\u015fi s\u0131ras\u0131nda olu\u015fabilecek risklere kar\u015f\u0131 poli\u00e7ede belirtilen ko\u015fullara ba\u011fl\u0131 olarak teminat sa\u011flar. Y\u00fck\u00fcn sat\u0131c\u0131s\u0131 veya al\u0131c\u0131s\u0131 veyahut ta\u015f\u0131nan y\u00fckle menfaat ili\u015fkisi olan herkes, bu sigortay\u0131 yapt\u0131rabilir.
Emtia (y\u00fck) sigorta poli\u00e7esinde, sigortay\u0131 yapt\u0131ran ki\u015fiye sadece y\u00fck bedelini de\u011fil, bunun yan\u0131nda navlun, sigorta \u00fccreti, \u00f6ng\u00f6r\u00fclen kar vb. gibi baz\u0131 gider kalemlerini de sigortalatabilme imkan\u0131 sunmaktad\u0131r.<\/p>\n\n\n\n

Emtia Nakliyat Sigortas\u0131 Teminatlar\u0131 Nelerdir?<\/strong>
Y\u00fck sigortalar\u0131 i\u00e7in yayg\u0131n olarak kullan\u0131lan ba\u015fl\u0131ca 3 teminat vard\u0131r. 
-Geni\u015f Teminat: verilen bu teminat a\u015fa\u011f\u0131daki istisnalar haricindeki b\u00fct\u00fcn rizikolar\u0131 teminat alt\u0131na al\u0131r.
\u0130stisnalar 
Kasti Hareket: Sigortal\u0131n\u0131n kasti hareketine y\u00fcklenebilen z\u0131ya, hasar veya masraf 
Ola\u011fan Hasarlar: Sigortal\u0131 \u015feyin ola\u011fan akmas\u0131, ola\u011fan a\u011f\u0131rl\u0131k veya hacim kayb\u0131 ya da ola\u011fan a\u015f\u0131nma ve y\u0131pranmas\u0131 
Ambalajlanma ve Haz\u0131rlanma Yetersizlikleri : Sigortal\u0131 \u015feyin ambalajlama veya haz\u0131rlanmas\u0131ndaki yetersizlik ya da uygunsuzlu\u011fun neden oldu\u011fu z\u0131ya, hasar veya masraf 
Gizli Kusur: Sigortal\u0131 \u015feyin gizli kusuru (zatiayb\u0131) veya niteli\u011finin neden oldu\u011fu z\u0131ya, hasar veya masraf 
Gecikme: Temin edilmi\u015f bir rizikodan ileri gelse dahi yak\u0131n nedeni gecikme olan z\u0131ya, hasar veya masraf 
Mali Y\u00fck\u00fcml\u00fcl\u00fckleri Yerine Getirememe: Geminin donatanlar\u0131, idarecileri, kirac\u0131lar\u0131 veya i\u015fleticilerinin \u00f6deme g\u00fcc\u00fcn\u00fc yitirmesi veya mali y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirememesinden do\u011fan z\u0131ya, hasar veya masraf 
Kasti Zarar: Herhangi bir ki\u015fi ya da ki\u015filerin haks\u0131z fiili sonucu sigortal\u0131 \u015feye veya herhangi par\u00e7as\u0131na bilerek verilen zarar yahut bilerek yok etme 
Sava\u015f Silah\u0131ndan Do\u011fan Zararlar: Atom veya n\u00fckleer par\u00e7alanma ve\/veya birle\u015fme ya da di\u011fer benzer reaksiyon veya radyoaktif g\u00fc\u00e7 ya da madde kullanan herhangi bir sava\u015f silah\u0131n\u0131n her t\u00fcrl\u00fc d\u00fc\u015fmanca kullan\u0131m\u0131ndan do\u011fan z\u0131ya, hasar veya masraf 
Sava\u015f ve grev : Sava\u015f ve grev durumu
– Dar Teminat : Karayolunda Kamyon Klozu, Demiryolunda Demiryolu Klozu ile verilen bu teminat ta\u015f\u0131ma arac\u0131n\u0131n batmas\u0131, karaya oturmas\u0131, \u00e7arpmas\u0131, \u00e7arp\u0131\u015fmas\u0131, devrilmesi, yanmas\u0131 vb. sonucu ta\u015f\u0131nan y\u00fcke gelebilecek z\u0131ya ve hasar\u0131 kar\u015f\u0131lar. 
-Tam Z\u0131ya Teminat\u0131: Tam Z\u0131ya Klozu ile verilen bu teminat bilumum avaryalar ve masraflar ile kurtarma ve m\u00fc\u015fterek avarya masraflar\u0131 hari\u00e7 olmak \u015fart\u0131yla ancak nakil vas\u0131tas\u0131n\u0131n fiilen ve mutlak surette tamam\u0131n\u0131n z\u0131ya\u0131 neticesinde sigortal\u0131 y\u00fck\u00fcn fiilen ve tamamen z\u0131ya\u0131n\u0131 temin eder.<\/p>\n\n\n\n

Emtia Nakliyat (y\u00fck) Sigortalar\u0131n\u0131n Fiyatland\u0131r\u0131lmas\u0131nda Rol Oynayan Etkenler Nelerdir?<\/strong><\/p>\n\n\n\n

Emtia nakliyat (y\u00fck) sigortalar\u0131n\u0131n fiyatland\u0131r\u0131lmas\u0131nda rol oynayan etkenleri d\u00f6rt b\u00f6l\u00fcmde toplayabiliriz.<\/p>\n\n\n\n

– Mal\u0131n cinsi, ambalaj\u0131, ta\u015f\u0131ma bi\u00e7imi
– Sefer
– Ta\u015f\u0131ma arac\u0131
– Teminat\u0131n kapsam\u0131<\/p>\n\n\n\n

K\u0131ymet Sigortalar\u0131 Neleri Kapsar?<\/strong><\/p>\n\n\n\n

Deniz, kara veya havayolu ile ki\u015filer beraberinde ta\u015f\u0131nan nakit para, k\u00fcl\u00e7e alt\u0131n, g\u00fcm\u00fc\u015f ve bunlardan bas\u0131lm\u0131\u015f para veya sikke, m\u00fccevher, tahvil, bono, senet, \u00e7ek gibi de\u011ferli ka\u011f\u0131tlar ile d\u00f6viz ve efektiflerin nakillerinde k\u0131ymet poli\u00e7eleri yapt\u0131r\u0131l\u0131r. 
Bu tip sigortalarda sevkiyat ki\u015filer refakatinde yap\u0131l\u0131yorsa, ”K\u0131ymet Poli\u00e7esi Genel \u015eartlar\u0131<\/strong>, silahl\u0131 gasp ve soygun dahil, ancak memur emniyeti suistimali hari\u00e7\u201d<\/strong> \u015fart\u0131 uygulan\u0131r. E\u011fer sevkiyat posta yoluyla yap\u0131l\u0131yorsa, bu \u015farta \u201cher t\u00fcrl\u00fc k\u0131smen ve tamamen \u00e7al\u0131nma, adem-i teslim ve kaybolma hari\u00e7<\/strong>\u201d ibaresi eklenir.<\/p>\n\n\n\n

Abonman Poli\u00e7esi Nedir?<\/strong><\/p>\n\n\n\n

Abonman poli\u00e7esi, yang\u0131n, h\u0131rs\u0131zl\u0131k ve nakliyat sigortalar\u0131nda uygulanan \u00f6zel bir poli\u00e7e t\u00fcr\u00fcd\u00fcr.<\/p>\n\n\n\n

Abonman Poli\u00e7esinin \u00c7e\u015fitleri Nelerdir?<\/strong><\/p>\n\n\n\n

-YANGIN ( \u0130\u015eYER\u0130 S\u0130GORTALARI) ABONMAN
Yang\u0131n ve h\u0131rs\u0131zl\u0131k sigortalar\u0131nda abonman poli\u00e7e, mal miktar\u0131 s\u00fcrekli olarak de\u011fi\u015fen,azalan ya da \u00e7o\u011falan ticari ve end\u00fcstriyel i\u015fletmeler i\u00e7in geli\u015ftirilmi\u015ftir. \u00d6zellikle stoklar i\u00e7in s\u00f6z konusu olan bir ‘eksik sigorta \u00f6nleme’<\/strong> yoludur. Ticari ve end\u00fcstriyel i\u015fletmeler, genellikle sigorta bedellerini belirlemede g\u00fc\u00e7l\u00fck \u00e7eker. Bu nedenle sigorta bedelinin sigorta de\u011ferine uygunlu\u011funu sa\u011flamak son derece g\u00fc\u00e7t\u00fcr. Sigorta bedeli mal miktar\u0131 d\u00fc\u015f\u00fckken belirlenirse hasar\u0131n, mal miktar\u0131 y\u00fcksek iken meydana gelmesi durumunda sigorta tazminat\u0131 hasardan d\u00fc\u015f\u00fck olacakt\u0131r. Yani eksik sigorta s\u00f6z konusu olacakt\u0131r. Sigorta bedeli, mal bedeli y\u00fcksekken belirlenirse fazla prim \u00f6denecektir. Yani, a\u015fk\u0131n sigorta s\u00f6z konusu olacakt\u0131r. \u0130\u015fte bu sak\u0131ncalar\u0131 giderebilmek i\u00e7in ‘abonman poli\u00e7eleri’ geli\u015ftirilmi\u015ftir. K\u0131sacas\u0131 abonman poli\u00e7eleri, sigortal\u0131n\u0131n fazla prim \u00f6demesini engellerken en y\u00fcksek de\u011fer \u00fczerinden g\u00fcvence al\u0131nmas\u0131n\u0131 sa\u011flar. Ancak h\u0131rs\u0131zl\u0131k sigortas\u0131nda abonman poli\u00e7e yap\u0131labilmesi i\u00e7in sigortal\u0131n\u0131n ayn\u0131 sigorta \u015firketinde bir yang\u0131n poli\u00e7esi olmas\u0131 ve abonman poli\u00e7esinin s\u00fcresinin yang\u0131n poli\u00e7esinin s\u00fcresini ge\u00e7memesi zorunludur.
-NAKL\u0130YAT EMT\u0130A S\u0130GORTALARI ABONMAN
Nakliyat sigortas\u0131 abonman poli\u00e7esinde ise sigortal\u0131, b\u00fct\u00fcn sevkiyat\u0131n\u0131 s\u00f6zle\u015fmeyi yapt\u0131\u011f\u0131 \u015firkete sigortalamay\u0131 taahh\u00fct etmektedir. S\u00f6zle\u015fme s\u00fcresince, en az 5 sevkiyat\u0131n yap\u0131larak sigorta ettirilmi\u015f olmas\u0131 ve en az belli bir miktar prim \u00f6demenin taahh\u00fct edilmesi gerekir.Abonman s\u00f6zle\u015fmesi yap\u0131lm\u0131\u015f olmas\u0131na kar\u015f\u0131n bu hususlar\u0131n ger\u00e7ekle\u015fmemesi durumunda herhangi bir i\u015flem yap\u0131lmaz. Ger\u00e7ekle\u015ftirilen sevkiyat miktar\u0131n\u0131n daha \u00e7ok olmas\u0131 durumunda ise ‘\u00e7okluk indirimi’ uygulan\u0131r. Sigortal\u0131, her sevkiyat\u0131n\u0131 bildirerek sigorta ettirmekle y\u00fck\u00fcml\u00fcd\u00fcr; abonman s\u00f6zle\u015fme ile bildirilmeyen sevkiyat g\u00fcvence alt\u0131na al\u0131nm\u0131\u015f olmaz.<\/p>\n\n\n\n

 Abonman Poli\u00e7esinin Unsurlar\u0131 ve D\u00fczenlenmesi Nas\u0131ld\u0131r?<\/strong><\/p>\n\n\n\n

Abonman poli\u00e7esi, sigorta bedeli belirli bir tutar\u0131n \u00fczerindeki rizikolar i\u00e7in d\u00fczenlenir. Bu tutara abonman limiti denir. Abonman limitinin alt\u0131ndaki rizikolar i\u00e7in abonman poli\u00e7esi kesilmez. Sigortal\u0131, sigorta devresi i\u00e7inde elinde bulunabilecek en y\u00fcksek mal miktar\u0131n\u0131n de\u011ferini belirler ve bu tavan (abonman limiti) \u00fczerinden bir abonman poli\u00e7esi al\u0131r. Bu de\u011fer sigortac\u0131n\u0131n azami sorumluluk d\u00fczeyini g\u00f6sterir. Sigorta \u015firketi, bu azami sorumluluk miktar\u0131n\u0131n kar\u015f\u0131l\u0131\u011f\u0131 olarak hesaplanan primin belirli bir oran\u0131n\u0131 (%40’\u0131n\u0131) pe\u015fin tahsil eder. Pe\u015fin al\u0131nan bu prime depo primi denir. Daha sonra sigortal\u0131 ticari ya da end\u00fcstriyel kurulu\u015f, poli\u00e7e s\u00fcresince g\u00fcnl\u00fck mal mevcutlar\u0131n\u0131n de\u011ferini g\u00f6steren ayl\u0131k listeleri sigorta \u015firketine verir. Abonman poli\u00e7esinin s\u00fcresi bir y\u0131ldan fazla ve \u00fc\u00e7 aydan az olamaz. Sigorta s\u00fcresi sonunda sigorta \u015firketi bu ayl\u0131k listelerin ortalamas\u0131n\u0131 bularak prim tahakkuk ettirir ve pe\u015fin al\u0131nan k\u0131sm\u0131 (depo primi) bundan d\u00fc\u015fer.<\/p>\n\n\n\n

Ta\u015f\u0131y\u0131c\u0131 Sorumluluk Sigortalar\u0131 Nelerdir?<\/strong><\/p>\n\n\n\n

Kara, deniz, hava ve demiryolu ile ta\u015f\u0131mac\u0131l\u0131k yapan nakliyat\u00e7\u0131 firmalar\u0131n, ta\u015f\u0131d\u0131klar\u0131 mal\u0131n sahibine kar\u015f\u0131 b\u00fcy\u00fck sorumluluklar\u0131 vard\u0131r. Ta\u015f\u0131ma konusu mallar\u0131n, ta\u015f\u0131y\u0131c\u0131n\u0131n sorumlulu\u011fundayken herhangi bir tehlikeye maruz kalmas\u0131, hasar veya z\u0131yaa u\u011framas\u0131 neticesinde ortaya \u00e7\u0131kan ta\u015f\u0131y\u0131c\u0131n\u0131n sorumlulu\u011fu, bir limit dahilinde bu sigorta ile teminat alt\u0131na al\u0131n\u0131r. 
\u00dclkemizde Ta\u015f\u0131y\u0131c\u0131 Sorumluluk Sigortalar\u0131 iki \u015fekilde uygulanmaktad\u0131r. Birincisi CMR denilen \u201ckarayoluyla uluslararas\u0131 e\u015fya ta\u015f\u0131mac\u0131l\u0131\u011f\u0131 s\u00f6zle\u015fmesi\u201d<\/strong> ile ilgili hukuki sorumluluk sigortas\u0131, ikincisi de yurti\u00e7i ta\u015f\u0131y\u0131c\u0131 mali mesuliyet sigortas\u0131d\u0131r.<\/p>\n\n\n\n

Hava Yolu Ta\u015f\u0131mac\u0131l\u0131\u011f\u0131 Birlikleri Nelerdir?<\/strong><\/p>\n\n\n\n

IATA (Uluslararas\u0131 Hava Ta\u015f\u0131mac\u0131l\u0131\u011f\u0131 )
ICAO (Uluslararas\u0131 Sivil Havac\u0131l\u0131k Organizasyonu)
AACO (Arap Hava Ta\u015f\u0131ma Birli\u011fi)<\/p>\n\n\n\n

Nakliyat Sigortalar\u0131n\u0131n Yapt\u0131r\u0131lmas\u0131 Bir Zorunluluk mudur?<\/strong>
Nakliyat sigortalar\u0131n\u0131n yapt\u0131r\u0131lmas\u0131 i\u00e7in yasal bir zorunluluk yoktur. Bununla birlikte emtia nakliyat (y\u00fck) sigortalar\u0131nda bankalar\u0131n sigorta g\u00fcvencesi aramalar\u0131, tekne sigortalar\u0131nda ise riske maruz mebla\u011flar\u0131n y\u00fcksekli\u011fi ve ipotek alacakl\u0131s\u0131n\u0131n sigorta teminat\u0131 arzusu, nakliyat sigortalar\u0131n\u0131 finansal bir zorunluluk haline getirmi\u015ftir.<\/p>\n\n\n\n

Kimler Nakliyat Sigortas\u0131ndan Yararlanabilir ?<\/strong><\/p>\n\n\n\n

\u00dcretim yapan firmalar 
Uluslararas\u0131 firmalar 
D\u0131\u015f ticaret firmalar\u0131 
Yurti\u00e7i nakliyat yapan firmalar 
Lojistik \u015firketleri 
Bitmi\u015f \u00fcr\u00fcn satan firmalar<\/p>\n\n\n\n

Nakliyat Poli\u00e7elerinde Kullan\u0131lan \u00d6zel \u015eartlar\u0131n (klozlar\u0131n) Amac\u0131 Nedir?<\/strong>
Nakliyat sigortalar\u0131 uluslararas\u0131 nitelikte sigortalard\u0131r. D\u0131\u015fal\u0131m ya da d\u0131\u015fsat\u0131ma konu y\u00fck\u00fcn sigortas\u0131nda, sat\u0131\u015f s\u00f6zle\u015fmesinin taraflar\u0131ndan biri yabanc\u0131 olaca\u011f\u0131ndan gerek al\u0131c\u0131 gerekse sat\u0131c\u0131n\u0131n standart ve uluslar aras\u0131 kabul g\u00f6rm\u00fc\u015f bir sigorta teminat\u0131 \u00fczerinde anla\u015fmaya varmalar\u0131 gerekmektedir. Di\u011fer taraftan tekne sigortalar\u0131nda da ayn\u0131 zorunluluk teknenin \u00e7al\u0131\u015fmas\u0131 s\u0131ras\u0131nda muhatap olabilece\u011fi yabanc\u0131 \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slar (gemi, liman yetkilisi vb.) a\u00e7\u0131s\u0131ndan ortaya \u00e7\u0131kmaktad\u0131r. Dolay\u0131s\u0131yla bir\u00e7ok \u00fclkede oldu\u011fu gibi \u00fclkemizde de b\u00fct\u00fcn d\u00fcnyada genel kabul ve kullan\u0131m alan\u0131 bulmu\u015f olan Londra Sigortac\u0131lar Enstit\u00fcs\u00fc (Institute of London Underwriters) taraf\u0131ndan haz\u0131rlanm\u0131\u015f y\u00fck ve tekne kloz tak\u0131mlar\u0131 nakliyat sigorta poli\u00e7esine \u00f6zel \u015fart olarak eklenip kullan\u0131lmaktad\u0131r.<\/p>\n\n\n\n

Yat Sigortalar\u0131 Teminat Kapsam\u0131 Nedir?<\/strong><\/p>\n\n\n\n

 <\/strong>Yat poli\u00e7esiyle sadece sizin yat\u0131n\u0131za de\u011fil, belirli bir limite kadar, \u00e7arp\u0131\u015ft\u0131\u011f\u0131n\u0131z di\u011fer yat veya r\u0131ht\u0131mlar\u0131n veyahut 3. \u015fah\u0131slar\u0131n ba\u015f\u0131na gelebilecek t\u00fcm risklere kar\u015f\u0131 da teminat verir.<\/p>\n\n\n\n

Tekne Sigortalar\u0131n\u0131n Fiyatland\u0131r\u0131lmas\u0131nda Rol Oynayan Etkenler Nelerdir?<\/strong>
Tekne sigortalar\u0131n\u0131n fiyatland\u0131r\u0131lmas\u0131nda rol oynayan etkenleri be\u015f b\u00f6l\u00fcmde \u00f6zetleyebiliriz.<\/p>\n\n\n\n

– Teknenin cinsi
– Teknenin sigorta bedeli
– Teknenin ya\u015f\u0131 ve tonaj\u0131
– Teminat\u0131n kapsam\u0131
– Teknenin sefer sahas\u0131 ve faaliyet alan\u0131<\/p>\n\n\n\n

Nakliyat Sigorta Poli\u00e7esi \u00d6rne\u011fi<\/strong><\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

Nakliyat Sigortas\u0131 Poli\u00e7e \u00d6rne\u011fi<\/strong><\/p>\n\n\n\n

\"\"\/<\/figure>\n","protected":false},"excerpt":{"rendered":"

Nakliyat Sigorta Poli\u00e7esi  Nakliyat Sigortalar\u0131-Nakliyat Sigorta Poli\u00e7esi Nakliyat Sigortas\u0131 Nedir? Nakliyat Emtia Sigortas\u0131 ile mallar\u0131n bir yerden di\u011fer bir yere ta\u015f\u0131nmas\u0131, bu ta\u015f\u0131ma s\u0131ras\u0131nda kar\u015f\u0131lanan tehlikeler ulusal ve uluslararas\u0131 ekonomiler i\u00e7in g\u00f6z ard\u0131 edilmeyecek derecede \u00f6nemli olgulardan biridir. Dolay\u0131s\u0131yla mallar\u0131n ta\u015f\u0131nmas\u0131 s\u0131ras\u0131nda kars\u0131la\u015facaklar\u0131 tehlikeleri g\u00fcvence alt\u0131na almas\u0131 Nakliyat Emtia Sigortalar\u0131n\u0131n konusunu olu\u015fturmaktad\u0131r. \u00d6nceleri denizlerde ba\u015flayan […]<\/p>\n","protected":false},"author":1,"featured_media":2515,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-2159","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faydali-bilgiler"],"_links":{"self":[{"href":"https:\/\/www.karengm.com\/index.php?rest_route=\/wp\/v2\/posts\/2159"}],"collection":[{"href":"https:\/\/www.karengm.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.karengm.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.karengm.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.karengm.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2159"}],"version-history":[{"count":1,"href":"https:\/\/www.karengm.com\/index.php?rest_route=\/wp\/v2\/posts\/2159\/revisions"}],"predecessor-version":[{"id":2160,"href":"https:\/\/www.karengm.com\/index.php?rest_route=\/wp\/v2\/posts\/2159\/revisions\/2160"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.karengm.com\/index.php?rest_route=\/wp\/v2\/media\/2515"}],"wp:attachment":[{"href":"https:\/\/www.karengm.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2159"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.karengm.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2159"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.karengm.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2159"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}