Updated for 2026. CASCO is voluntary car insurance against the risks provided for by the contract: damage, theft, unlawful acts, natural phenomena and other events. Unlike MTPL, CASCO protects the property interest of the car owner, not their liability to injured parties.

The cost of the policy depends on the car, the list of risks, the sum insured, the deductible, the territory of cover, the permitted drivers, the method of repair and the claims history. There is no single price and no guaranteed discount: offers should be compared on the same scope of cover, not only on the rate.

The images, the original sections and the overall sequence of the material below have been preserved. Specific discounts and terms should be confirmed in the insurer's calculation before concluding the contract.

CAR CASCO / CASCO

How to save on car insurance?

Using the services of the Polis Re insurance agency is the simplest option. Your personal insurance consultant will select the most advantageous rate for you by comparing the terms offered by different companies. In addition, they will be sure to tell you about the discounts the companies provide. The price of Car CASCO can also be reduced at the expense of the insurance broker's own funds. So by using their services you definitely save money.

The cost of Car CASCO / CASCO is affected by

Who handles the CASCO insurance of your car

You understood absolutely correctly ). Whether you are given a discount and the best terms and rate that the insurance company can offer depends directly on the employee who handles the insurance of your car.

So work with professionals at Polis Re, the insurance center.

The insurance company

The insurance market in Kazakhstan is represented by many companies. And the hardest thing for a car owner is to choose the one that, firstly, offers the most advantageous insurance rate and, secondly, is reliable and reputable.

As for rates, you need to calculate the cost of car CASCO in different companies and compare the results. An online car CASCO calculation will take only a few minutes if you decide to use the calculator on the site. And the reliability of an insurance company should be judged by its position in the ratings, as well as by customer reviews.

Type of insurance

The cost of the policy will depend on which type of insurance you prefer, "full" or "partial". The former is, naturally, more expensive.

The client's "driving history"

It is simple: the less often a car owner has accidents, the bigger the discount they can count on. And conversely, drivers who are not very careful on the road will have to pay in full when buying an insurance policy. Because insurance companies often have to pay compensation for damage caused by their fault.

Type of vehicle

The more luxurious your car, the more you will have to pay to insure it. This is because, in the event of damage, the insurance company will have to pay out a larger sum than to the owner of a used domestic car. Besides, luxury cars lead the theft statistics.

Car CASCO calculator

On our site, in the lower right corner or simply on the right, there is a calculator where you can work out the approximate cost of Car CASCO or CASCO insurance, whichever you prefer, and get a general idea of this type of insurance in a matter of seconds.

For an exact calculation of the cost of car CASCO insurance there is a special summary table of the factors that affect the price of the policy and the corresponding coefficients. Using this system, you can easily calculate how much you will need to take out insurance. And you do not even need to leave your own apartment.

An undeniable advantage of this system is its complete transparency, even for people using it for the first time.

Working out the cost of CASCO in your head
The cost of car CASCO is made up of many factors, the main ones being the technical characteristics of your car and your personal data as a driver, which include your personal driving experience, your accident record, the number of traffic violations, if any, and the number of people entitled to drive your car.

Accordingly, the more expensive your car, the higher the insurance will be, but a big plus can be its excellent technical condition and low mileage. Moreover, insurance prices for foreign and domestic cars differ greatly. One way or another, the better the condition of your car, the lower the cost of insuring it.

Besides the technical condition of the car, the cost of insurance is affected by your driving skill and responsibility on the road. The longer your driving experience, the lower the price of insurance; the fewer accidents you have been involved in, and, very importantly, the fewer at your fault, the lower the cost of insurance. Accordingly, otherwise the price will only rise.