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    <!-- ============================================================================ -->
    <!-- ANA SAYFA - Site'nin giriş noktası, en yüksek öncelik                      -->
    <!-- ============================================================================ -->
    <url>
        <loc>https://www.karayelsigorta.com/</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>daily</changefreq>
        <priority>1.0</priority>
    </url>
    
    
    <!-- ============================================================================ -->
    <!-- KURUMSAL SAYFALAR - Şirket hakkında genel bilgiler                         -->
    <!-- ============================================================================ -->
    
    <!-- Şirket Tanıtımı -->
    <url>
        <loc>https://www.karayelsigorta.com/hakkimizda</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Şirket Vizyonu ve Misyonu -->
    <url>
        <loc>https://www.karayelsigorta.com/vizyon-ve-misyon</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Resmi Belgeler ve Sertifikalar -->
    <url>
        <loc>https://www.karayelsigorta.com/belgelerimiz</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    
    <!-- ============================================================================ -->
    <!-- HİZMET SAYFALARI - Ana sigorta kategorileri                                -->
    <!-- ============================================================================ -->
    
    <!-- Bireysel Sigortalar Ana Kategorisi -->
    <url>
        <loc>https://www.karayelsigorta.com/bireysel-sigortalar</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <!-- Kurumsal Sigortalar Ana Kategorisi -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    
    
    <!-- ============================================================================ -->
    <!-- BİREYSEL SİGORTA KATEGORİLERİ - Bireysel müşterilere yönelik ürünler      -->
    <!-- ============================================================================ -->
    
    <!-- Araç Sigortaları (Kasko, Trafik) -->
    <url>
        <loc>https://www.karayelsigorta.com/bireysel-sigortalar/arac-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Sağlık Sigortaları (Tamamlayıcı, GSS) -->
    <url>
        <loc>https://www.karayelsigorta.com/bireysel-sigortalar/saglik-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Konut Sigortaları (Yangın, Deprem, Hırsızlık) -->
    <url>
        <loc>https://www.karayelsigorta.com/bireysel-sigortalar/konut-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Ferdi Kaza Sigortaları -->
    <url>
        <loc>https://www.karayelsigorta.com/bireysel-sigortalar/ferdi-kaza-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Seyahat Sigortaları -->
    <url>
        <loc>https://www.karayelsigorta.com/bireysel-sigortalar/seyahat-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Diğer Bireysel Sigortalar -->
    <url>
        <loc>https://www.karayelsigorta.com/bireysel-sigortalar/diger-sigortalar</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    
    <!-- ============================================================================ -->
    <!-- KURUMSAL SİGORTA KATEGORİLERİ - İşletmelere yönelik ürünler                -->
    <!-- ============================================================================ -->
    
    <!-- Kurumsal Araç Sigortaları (Filo, Ticari Araç) -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/arac-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- İş Yeri Sigortaları (Yangın, İş Durması) -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/isyeri-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Kurumsal Sağlık Sigortaları (Personel, GSS) -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/saglik-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Kurumsal Ferdi Kaza Sigortaları -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/ferdi-kaza-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Finansal Sigortalar (Kredi, Kefalet) -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/finansal-sigortalar</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Mühendislik Sigortaları (İnşaat, Montaj) -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/muhendislik-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Nakliyat Sigortaları (Emtia, Kargo) -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/nakliyat-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Sorumluluk Sigortaları (Mali Mesuliyet, Mesleki) -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/sorumluluk-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Havacılık Sigortaları (Özel Kategori) -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/havacilik-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Devlet Destekli Tarım Sigortaları -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/devlet-destekli-tarim-sigortalari</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Diğer Kurumsal Sigortalar -->
    <url>
        <loc>https://www.karayelsigorta.com/kurumsal-sigortalar/diger-sigortalar</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    
    <!-- ============================================================================ -->
    <!-- İŞ ORTAKLARIMIZ - Anlaşmalı sigorta şirketleri                             -->
    <!-- ============================================================================ -->
    
    <!-- İş Ortakları Ana Sayfası -->
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/anadolu-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/ak-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/ankara-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
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    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/turkiye-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/allianz-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/axa-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/atlas-mutel-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/corpus-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/neova-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/hepiyi-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/quick-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <!-- -->
    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/mapfre-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/ray-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/hdi-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/sompo-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/magdeburger-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://www.karayelsigorta.com/is-ortaklarimiz/gig-sigorta</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <!-- ============================================================================ -->
    <!-- DESTEK VE BİLGİ SAYFALARI - Müşteri hizmetleri ve genel bilgiler          -->
    <!-- ============================================================================ -->
    
    <!-- İletişim Bilgileri -->
    <url>
        <loc>https://www.karayelsigorta.com/iletisim</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <!-- Sıkça Sorulan Sorular -->
    <url>
        <loc>https://www.karayelsigorta.com/sss</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Kariyer ve İş Olanakları -->
    <url>
        <loc>https://www.karayelsigorta.com/kariyer</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    
    <!-- ============================================================================ -->
    <!-- YASAL BELGELER - Gizlilik, KVKK ve diğer yasal gereklilikler              -->
    <!-- ============================================================================ -->
    
    <!-- KVKK Aydınlatma Metni -->
    <url>
        <loc>https://www.karayelsigorta.com/kvkk</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    
    <!-- Çerez Politikası -->
    <url>
        <loc>https://www.karayelsigorta.com/cerez-politikasi</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

    <!-- Gizlilik Politikası -->
    <url>
        <loc>https://www.karayelsigorta.com/gizlilik-politikasi</loc>
        <lastmod>2025-09-01</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

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