{"id":913,"date":"2024-08-09T14:28:00","date_gmt":"2024-08-09T14:28:00","guid":{"rendered":"https:\/\/exportmk.com\/?p=913"},"modified":"2025-08-04T06:15:55","modified_gmt":"2025-08-04T06:15:55","slug":"ihracatta-sigorta-neden-gereklidir-nasil-secilir","status":"publish","type":"post","link":"https:\/\/exportmk.com\/en\/ihracatta-sigorta-neden-gereklidir-nasil-secilir\/","title":{"rendered":"\u0130hracatta Sigorta: Neden Gereklidir, Nas\u0131l Se\u00e7ilir?"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"672\" height=\"350\" src=\"https:\/\/exportmk.com\/wp-content\/uploads\/2024\/08\/ihracat-sigorta-neden-gereklidir.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/exportmk.com\/wp-content\/uploads\/2024\/08\/ihracat-sigorta-neden-gereklidir.png 672w, https:\/\/exportmk.com\/wp-content\/uploads\/2024\/08\/ihracat-sigorta-neden-gereklidir-300x156.png 300w\" sizes=\"(max-width: 672px) 100vw, 672px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u0130hracatta Sigorta Nedir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130hracat sigortas\u0131, \u00fcr\u00fcnlerin <strong>y\u00fckleme noktas\u0131ndan al\u0131c\u0131ya ula\u015fana kadar<\/strong> kar\u015f\u0131la\u015fabilece\u011fi risklere kar\u015f\u0131 <strong>finansal g\u00fcvence<\/strong> sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udce6 Temel riskler:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 Hasar<br>\u2705 K\u0131r\u0131lma<br>\u2705 Islanma<br>\u2705 \u00c7al\u0131nma<br>\u2705 Kaza<br>\u2705 Deniz\/hava yolunda konteyner kayb\u0131<br>\u2705 Gecikmeye ba\u011fl\u0131 de\u011fer kayb\u0131<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2. Neden Gereklidir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>M\u00fc\u015fteri g\u00fcveni artar<\/strong><br>\u2705 Zarar olu\u015fursa maliyet size y\u00fcklenmez<br>\u2705 \u0130tibar\u0131n\u0131z\u0131 korursunuz<br>\u2705 Baz\u0131 b\u00fcy\u00fck al\u0131c\u0131lar sigortas\u0131z sevkiyat kabul etmez<br>\u2705 G\u00fcmr\u00fck veya transit s\u00fcrecindeki kay\u0131plara kar\u015f\u0131 korunursunuz<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfaf K\u00fc\u00e7\u00fck maliyetle b\u00fcy\u00fck riski sigorta alt\u0131na al\u0131rs\u0131n\u0131z.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3. Hangi Sevkiyatlarda Sigorta Yap\u0131lmal\u0131?<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Teslim \u015eekli (Incoterms)<\/th><th>Sigorta Kimin Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcnde?<\/th><\/tr><\/thead><tbody><tr><td>EXW (Ex Works)<\/td><td>Al\u0131c\u0131<\/td><\/tr><tr><td>FOB (Free On Board)<\/td><td>Al\u0131c\u0131<\/td><\/tr><tr><td>CIF (Cost, Insurance, Freight)<\/td><td>Sat\u0131c\u0131 (yani siz)<\/td><\/tr><tr><td>DAP\/DPU\/DDP<\/td><td>Genellikle sat\u0131c\u0131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfaf E\u011fer <strong>CIF veya DAP<\/strong> ile sat\u0131\u015f yap\u0131yorsan\u0131z, sigortay\u0131 siz yapmal\u0131s\u0131n\u0131z.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4. Hangi T\u00fcr \u0130hracat Sigortalar\u0131 Var?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">A) Mal Sigortas\u0131 (Cargo Insurance)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 Y\u00fckleme a\u015famas\u0131ndan teslimata kadar <strong>fiziksel risklere<\/strong> kar\u015f\u0131 korur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kapsam seviyeleri:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Institute Cargo Clauses (ICC) A \u2192 en kapsaml\u0131<\/li>\n\n\n\n<li>ICC B ve C \u2192 daha s\u0131n\u0131rl\u0131 (fiyat d\u00fc\u015fer, risk artar)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">B) Alacak Sigortas\u0131 (Credit Insurance)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 Al\u0131c\u0131n\u0131n <strong>\u00f6deme riskine<\/strong> kar\u015f\u0131 korur (iflas, \u00f6deme yapmama vs.)<br>\u2705 \u00d6zellikle <strong>vadeli sat\u0131\u015flarda<\/strong> kullan\u0131l\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfaf <strong>Fiziksel sigorta + alacak sigortas\u0131<\/strong>, ihracatta en g\u00fcvenli kombinasyondur.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/exportmk.com\/wp-content\/uploads\/2025\/06\/ihracat-sigorta-satis-2.jpeg\" alt=\"\" class=\"wp-image-915\"\/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5. Sigorta Poli\u00e7esi Se\u00e7erken Nelere Dikkat Etmeli?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 Poli\u00e7e kapsam\u0131: T\u00fcm riskleri kaps\u0131yor mu?<br>\u2705 ICC A m\u0131 B\/C mi? (A her zaman daha iyi)<br>\u2705 Paketleme\/ambalaj \u015fartlar\u0131na uyumlu mu?<br>\u2705 Y\u00fckleme ve var\u0131\u015f noktas\u0131 do\u011fru mu yaz\u0131lm\u0131\u015f?<br>\u2705 Prim tutar\u0131 (genellikle mal bedelinin %0,1 &#8211; %0,5 aras\u0131)<br>\u2705 Muafiyet ve istisnalar neler? (do\u011fal afet, sava\u015f vs.)<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6. S\u0131k Yap\u0131lan Hatalar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u274c &#8220;M\u00fc\u015fteri istemedi, sigorta yapmad\u0131m&#8221; demek<br>\u274c EXW sat\u0131\u015f yaparken yine de sigorta yapmay\u0131 unutmak<br>\u274c En ucuz poli\u00e7eyi se\u00e7ip ICC C seviyesinde kalmak<br>\u274c Mal bedeli alt\u0131nda sigorta yapt\u0131rmak \u2192 hasar durumunda eksik \u00f6deme almak<br>\u274c Kendi \u00fcr\u00fcn ambalaj\u0131 yeterli zannedip paketleme \u015fartlar\u0131n\u0131 kontrol etmemek<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">7. Sigorta Maliyetleri Nas\u0131l Hesaplan\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Genellikle:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 Mal bedelinin %0,1 \u2013 %0,5 aras\u0131 prim \u00f6denir<br>\u2705 CIF baz\u0131nda sat\u0131\u015fta bu bedeli <strong>m\u00fc\u015fteri fiyat\u0131na eklersiniz<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfaf K\u00fc\u00e7\u00fck bir maliyetle b\u00fcy\u00fck riskleri g\u00fcvence alt\u0131na alm\u0131\u015f olursunuz.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">8. Sigorta \u0130\u00e7in Kimlerle \u00c7al\u0131\u015f\u0131l\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 \u0130hracat odakl\u0131 bir <strong>sigorta broker\u0131<\/strong> veya<br>\u2705 Kendi bankan\u0131z\u0131n i\u015f orta\u011f\u0131 sigorta firmas\u0131 veya<br>\u2705 Profesyonel bir forwarder \u00fczerinden poli\u00e7e kesilebilir<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Tavsiye: Uluslararas\u0131 ta\u015f\u0131mada deneyimli bir acente ile \u00e7al\u0131\u015f\u0131n.<br>S\u0131radan bir yerel acente ihracat risklerini iyi bilmeyebilir.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Sonu\u00e7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 \u0130hracatta sigorta &#8220;yapsam m\u0131 yapmasam m\u0131?&#8221; de\u011fil, <strong>mutlaka yap\u0131lmas\u0131 gereken<\/strong> bir ad\u0131md\u0131r.<br>\u2705 Do\u011fru poli\u00e7e \u2192 do\u011fru kapsam \u2192 huzurlu bir ihracat s\u00fcreci demektir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Unutmay\u0131n:<\/strong><br>K\u00fc\u00e7\u00fck bir primle, <strong>binlerce dolar zarar riskini ortadan kald\u0131r\u0131rs\u0131n\u0131z<\/strong>.<br>Ve profesyonel g\u00f6r\u00fcn\u00fcrs\u00fcn\u00fcz.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Kaynaklar:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ICC \u2013 Cargo Insurance Clauses<\/li>\n\n\n\n<li>T.C. Ticaret Bakanl\u0131\u011f\u0131 \u2013 \u0130hracat Sigorta Rehberi<\/li>\n\n\n\n<li>Euler Hermes \u2013 Export Credit Insurance<\/li>\n\n\n\n<li>MK Export saha uygulama ve lojistik deneyimleri<\/li>\n<\/ul>\n\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div>","protected":false},"excerpt":{"rendered":"<p>\u0130hracatta \u00fcr\u00fcn\u00fcn sadece \u00fcretmek ve g\u00f6ndermek yetmez.<br \/>\nSevkiyat s\u00fcreci boyunca bir\u00e7ok risk devrededir:<\/p>\n<p>Hasar, kay\u0131p, \u00e7al\u0131nma, gecikme&#8230;<\/p>\n<p>Bu y\u00fczden ihracatta sigorta hayati \u00f6nemdedir.<br \/>\nAma bir\u00e7ok ihracat\u00e7\u0131 bu ad\u0131m\u0131 ya g\u00f6z ard\u0131 eder ya da yanl\u0131\u015f poli\u00e7e se\u00e7erek g\u00fcvencesiz ihracat yapar.<\/p>\n<p>Bu yaz\u0131da ihracat sigortas\u0131n\u0131n neden gerekli oldu\u011funu ve do\u011fru sigorta nas\u0131l se\u00e7ilir sorusunun cevab\u0131n\u0131 veriyoruz.<\/p>","protected":false},"author":3,"featured_media":2560,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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