The government pension system is operated by the Sosyal Güvenlik Kurumu (Social Security Institution, SGK). In addition to SGK pensions, people can use the private pension system (PPS) which is highly encouraged by the government. For the non-life insurance part, motor-insurance has the largest share in premium production.
Until May 2006, there were three separate social security institutions: SSK, for private and public sector workers; Emekli Sandiği, for civil servants; and Bağ-Kur, for self-employed workers and farmers. In 2006, these were all merged into one institution: SGK. Once someone who paid contributions to the SGK for the required amount of time and reaches retirement age, becomes eligible for an SGK pension, with the size of pension determined by the contributions. In the PPS, the government contributes 25% of the paid contributions so that contribution cannot exceed 25% of the total gross minimum wage for that year. The PPS runs on the principle of the collection and investment of savings and then making a lump-sum payment or regular payments to the individual, however does not offer the health or other services provided by the SGK.
In Turkey, almost 50% of the premium production of non-life insurance was arised from motor-insurance.