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Eurasian Academy Of Sciences Social Sciences JournalYl:2016 Say: 8 Alan: Hukuk

mer zkan, Ahmet Karayazgan
SGORTACILIK SEKTRNDE MESAFEL SATI: ELEKTRONIK TICARETN HUKUK ALT YAPISI
 
Datm kanallarndaki deiiklik ve eitlilik, esas itibar ile, rekabet, teknoloji ve mevzuattaki gelimeler yannda, tketicilerin talep, davran ve tercihlerine bal olarak gereklemektedir. Bu anlamda, dnyada olduu gibi, Trkiyede de bu davran ve tercih deiiklii grlmektedir. Trkiye, son yllarda elektronik ticaret (E-ticaret)in dnyada en hzl byyen piyasalarndan birisidir. Bu ise, gerek uygulama ve gerekse mevzuat olarak yeni gelime ve uygulamalar da beraberinde getirmektedir. Son yllarda, Sigorta Sektr, bu gerein dnda kalamayarak ve tketici beklentilerine daha iyi cevap verebilmek zere, geleneksel kanallar dnda, ok kanall (multi channel) stratejileri gelitirmekte, ve sigorta rnlerinin satnda, yaratc pazarlama ve sat yollar gelitirmek iin aba sarf etmektedir. Bu aba ve giriimler, sektrn tm datm ve pazarlama kanallarn etkileyecek ekilde, nemli mevzuat gelimelerini ve deiikliklerini de beraberinde getirmektedir. Bu durum, hem aktrleri hem de faaliyetlerinde aranan asgari gereklilikleri artrrken, eski alkanlk ve uygulamalarn da kkl bir ekilde deimesine yol aacak yeni bir dnemi de beraberinde getirmitir.

Anahtar Kelimeler: E-Ticaret, mesafeli sat, sigortann mesafeli sat, bilgilendirme, cayma hakk, elektronik iletiim


DISTANT SALES IN INSURANCE SECTOR: THE LEGAL INFRASTRUCTURE OF ELECTRONIC COMMERCE
 
Changes in distribution channels are mainly driven by competition, regulatory and technological developments, as well as by changes in consumer demand and preferences. In this regard, as in the world, this behavior is observed preferences change in Turkey. E-commerce in Turkey, one of the fastest growing markets in the world. This brings new developments and applications in both the practice and legislation. In recent year, the Insurance Sector, by not stay out of this fact and in order to better respond to consumer expectations, is to develop strategies multi-channel (multi-channel ") outside the traditional channels, and to make an effort to develop the innovative marketing and sales routes in the sale of insurance products, These efforts and initiatives raise important regulatory developments and changes which will affect all channels of distribution and marketing sector. This will lead to a new era of radical change in the way the old habits and practices, while increasing the number of both the actors and the minimum requirements sought in the activities.

Keywords: E-commerce, distance selling, distance selling of insurance, disclosure, withdrawal right, electronic communication


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