Motor vehicle insurance

Motor insurance combines several types of insurance — CASCO motor insurance and compulsory motor third-party liability insurance:

1. CASCO motor insurance is voluntary insurance of property interests related to the ownership, use and disposal of a land vehicle.

A CASCO policy protects you against the following risks:

• Road traffic accident
• Unlawful acts of third parties
• Vehicle theft
• Falling objects (trees and branches, stones, snow and ice, parts of buildings and objects thrown from windows)
• Rollover
• Collision (impact) with stationary or moving objects, namely structures, obstacles, animals, trees
• Fire, explosion
• Natural disasters
• as well as any damage to property.

Insurance companies offer a range of motor insurance programmes. Choose the one you need.

2. Motor third-party liability insurance is compulsory insurance of the civil liability of a vehicle owner; it applies only where the vehicle owner is at fault for the accident.

Compulsory third-party liability insurance of vehicle owners

Compulsory insurance of the civil liability of vehicle owners is a compulsory class of insurance under Law of the Republic of Kazakhstan No. 446-II of 1 July 2003 "On Compulsory Insurance of Civil Liability of Vehicle Owners".

Why do you need a compulsory motor liability policy?

• The policy guarantees compensation for material damage caused to third parties as a result of an accident for which you are at fault
• The policy does not insure your car; it guarantees compensation for damage to the other person if you are at fault

How much will the insurance company pay the injured party in the event of an insured event?

• for damage caused to one vehicle — up to KZT 907,200 (600 MCI)
• for harm caused to the life or health of each injured person — up to KZT 1,512,000 (1000 MCI)

Liability limits can be increased by concluding a voluntary liability insurance contract.

Direct settlement

When an insured event occurs, the injured party applies for an insurance payout to the insurer with which the injured party has a compulsory motor third-party liability insurance contract, provided that the person at fault for the insured event holds an insurance policy.

Motor liability calculator

For more effective and comprehensive motor insurance, experts recommend purchasing both types. The main reasons are:

1. To ensure protection against all risks;
2. To comply with the law;

When an insured event occurs

Under a compulsory motor third-party liability policy

1. Be sure to call the Road Police Department officers to the scene of the road traffic accident by dialling 102
2. If harm has been caused to life or health, be sure to call 103
3. If the vehicle catches fire, call 101.
4. Call the insurance company's claims adjuster to the scene of the accident to record the insured event
5. Be sure to notify the insurance company of the insured event by any available means (orally or in writing) within 3 working days of the accident. Oral notice must subsequently be confirmed in writing.

Under a voluntary CASCO motor insurance policy

In the event of a road traffic accident, or if the vehicle is damaged in a car park

1. Call the road police to the scene on 102 (mobile 112) and stay at the scene without moving the vehicle until the road police arrive;
2. Call a claims adjuster to the scene of the accident
3. Under no circumstances should you sign a waiver of your right of claim against the person at fault, otherwise you will be refused an insurance payout
4. Notify the insurance company in writing no later than 3 working days
5. Submit the required documents to the insurance company (see the list below)

Attention!

If you have damaged your car's glass or lights (front/rear windscreen, front/rear headlights) within the cities of Almaty or Nur-Sultan (Astana), and you are the only party to the accident, i.e. there is no injured party, documents from the traffic police are not required. However, calling a claims adjuster to the scene to inspect the damaged vehicle is mandatory.

In the event of damage (resulting from unlawful acts of third parties)

1. Call officers of the local district police department to the scene on 102 (mobile 112);
2. Call a claims adjuster to the scene;
3. File a report on the incident with the district police department (make sure the report is entered in the registration log);
4. Under no circumstances should you sign a waiver of your right of claim against the person at fault, otherwise you will be refused an insurance payout;
5. Once the incident documents have been completed, obtain information from the police officers on how the incident will be handled;
6. Notify the insurance company in writing no later than 3 working days;
7. Submit the required documents to the insurance company:

In the event of theft

1. Call officers of the local district police department to the scene on 102 (mobile 112);
2. File a report on the incident with the district police department (make sure the report is entered in the registration log);
3. Notify the insurance company in writing no later than 3 working days.
4. Submit the required documents to the insurance company:

In the event of fire

1. Call the fire service to the scene on 101 (mobile 112);
2. Call a claims adjuster to the scene;
3. Notify the insurance company in writing no later than 3 working days.
4. Obtain from the fire supervision authorities a certificate and a ruling stating the cause of the fire and the decision taken on the incident;
5. Submit the required documents to the insurance company (see below)
6. Submit the required documents to the insurance company:

In the event of falling objects

1. Call officers of the local district police department to the scene on 102 (mobile 112);
2. Call a claims adjuster to the scene;
3. On the same day, obtain a certificate from the district police department confirming registration of the incident;
4. Notify the insurance company in writing no later than 3 working days;
5. Submit the required documents to the insurance company:

Under a voluntary "CASCO without traffic police" motor insurance policy

In the event of a road traffic accident or damage:

1. Documents from the traffic police are not required for a payout:

• If no harm was caused to human life or health as a result of the accident;
• If the other party to the accident has no claims against you;
• If you are the only party to the accident and only your car was damaged (e.g. collision with a pole, falling branches, stones hitting the windscreen, vandalism, robbery, etc.)

1. Documents from the traffic police are required for a payout:
   • If one party to the accident has claims against the other, call the road police to the scene on 102 (mobile 112) and stay at the scene without moving the vehicle until the road police arrive
2. Be sure to call the insurance company's claims adjuster to the scene of the accident
3. Notify the insurance company of the accident in writing no later than 3 (three) working days, stating the contact person's details (phone, e-mail). You can obtain the claim form from the claims adjuster and hand it back to the adjuster once completed
4. The following documents must be submitted to the insurance company:

In the event of damage (damage by foreign objects or unlawful acts of third parties):

1. It is not necessary to call a claims adjuster on the day
2. Notify the insurance company in writing no later than 3 (three) working days, stating the contact person's details (phone, e-mail). You can obtain the claim form from the claims adjuster and hand it back to the adjuster once completed
3. The following documents must be submitted to the insurance company:

In the event of theft:

1. Call officers of the local district police department on 102 or mobile 112 to the scene
2. Notify the insurance company of the incident in writing no later than 3 (three) working days, stating the contact person's details (phone, e-mail)
3. Submit documents to the insurance company in accordance with the vehicle insurance contract (the submission period is limited to 3 years).

In the event of fire:

1. Call the fire service to the scene on 101 or mobile 112
2. Notify the insurance company in writing no later than 3 (three) working days, stating the contact person's details (phone, e-mail)
3. Obtain from the fire supervision authorities a certificate and a ruling stating the cause of the fire and the decision taken on the incident
4. Submit documents to the insurance company in accordance with the vehicle insurance contract (the submission period is limited to 3 years).