Motor Vehicle Insurance

An MTPL contract is issued in electronic form. For an accident that meets the established conditions for simplified handling, a Europrotocol (joint accident statement) and online settlement may be used. If there are injured persons, disagreements between drivers, or other circumstances that rule out the simplified procedure, you must call the emergency services.

The list of risks, the deductible, the territory of cover, the notification deadlines and the CASCO documents are determined by the contract and the insurer's rules. The recommendations below should therefore be checked against your own policy and the legal requirements currently in force.

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

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

A CASCO policy will protect you against the following risks:

• Road accidents
• Unlawful acts of third parties
• Theft of the motor vehicle
• Falling objects (trees and their branches, stones, snow and ice, parts of buildings and objects thrown from a window)
• Rollover
• Collision (impact) with stationary or moving objects, namely structures, obstacles, animals and trees
• Fire, explosion
• Natural disasters
• as well as any other damage to property.

We offer a choice of different car insurance programs. Choose what you need.

2. Car owner's third-party liability insurance (MTPL) is compulsory insurance of the car owner's civil liability; it applies only if the car owner is at fault in the accident.

Compulsory third-party liability insurance of vehicle owners

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

What is a compulsory car liability insurance policy for?

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

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

• for harm caused to one car - no more than 907,200 tenge (600 MCI)
• for harm caused to the life or health of each injured person - no more than 1,512,000 tenge (1,000 MCI)

The liability limits can be increased by concluding a voluntary third-party liability insurance contract.

Direct settlement

When an insured event occurs, to receive the insurance payment the injured party applies to the insurer with which the injured party has concluded a compulsory vehicle owners' liability insurance contract, provided that the person at fault for the insured event holds an insurance policy.

MTPL calculator

For more effective and comprehensive car insurance, the Polis Re Insurance Center recommends buying both of these types, for the following main reasons:

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

When an insured event occurs

Under a compulsory car owner's third-party liability insurance policy

1. Be sure to call the Road Police Department to the scene of the accident by phone 102
2. If life or health has been harmed, be sure to call 103
3. If the vehicle catches fire, call 101.
4. Call the Insurance Company's accident commissioner 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. A notification made orally must subsequently be confirmed in writing.

Under a voluntary motor vehicle insurance policy "CASCO"

In a road accident, as well as when the vehicle is damaged in a parking lot

1. Call the road police to the scene of the accident by phone: 102, mobile 112, and stay at the scene without moving the vehicle until the road police arrive;
2. Call an accident commissioner to the scene of the accident
3. Under no circumstances should you write a statement waiving the right of claim against the guilty party, otherwise your insurance payment will be refused
4. Notify the insurance company in writing no later than 3 working days afterwards
5. Submit the necessary documents to the insurance company (see the list below)

Please note!

If you have damaged your car's optics (front/rear windscreen, front/rear headlights) within the cities of Almaty or Nur-Sultan (Astana), and you are the only participant in the accident, i.e. there is no injured party, submitting documents from the traffic police (GAI) is not mandatory. However, it is mandatory to call an accident commissioner to the scene to inspect the damaged vehicle.

In case of damage (as a result of unlawful acts of third parties)

1. Call officers of the local district police department (RUVD) to the scene of the event by phone: 102, mobile 112;
2. Call an accident commissioner to the scene;
3. Write a statement to the RUVD about the event (make sure that this statement is registered in the registration log);
4. Under no circumstances should you write a statement waiving the right of claim against the guilty party, otherwise your insurance payment will be refused;
5. After the paperwork for the event has been completed, obtain from the RUVD officers information regarding the handling of this incident;
6. Notify the insurance company in writing no later than 3 working days afterwards;
7. Submit the necessary documents to the insurance company:

In case of theft

1. Call officers of the local district police department (RUVD) to the scene of the event by phone: 102, mobile 112;
2. Write a statement to the RUVD about the event (make sure that this statement is registered in the registration log);
3. Notify the insurance company in writing no later than 3 working days afterwards.
4. Submit the necessary documents to the insurance company:

In case of fire

1. Call the fire service to the scene of the event by phone: 101, mobile 112;
2. Call an accident commissioner to the scene;
3. Notify the insurance company in writing no later than 3 working days afterwards.
4. Obtain from the fire supervision authorities a certificate or resolution stating the cause of the fire and the decision taken on this incident;
5. Submit the necessary documents to the insurance company (see below)
6. Submit the necessary documents to the insurance company:

In case of falling objects

1. Call officers of the local district police department (RUVD) to the scene of the event by phone: 102, mobile 112;
2. Call an accident commissioner to the scene;
3. On the same day, obtain from the RUVD a certificate confirming registration of the incident;
4. Notify the insurance company in writing no later than 3 working days afterwards;
5. Submit the necessary documents to the insurance company:

Under a voluntary motor vehicle insurance policy "CASCO without GAI (traffic police)"

In a road accident and damage:

1. You do not need to submit documents from the traffic police (GAI) for the payment:

• If no harm was caused to a person's 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 participant in the accident and only your car was damaged (for example, a collision with a pole, falling branches, stones hitting the windscreen, hooliganism, robbery, etc.)

1. You need to submit documents from the traffic police (GAI) for the payment:
   • If one of the parties to the accident has claims against the other party, you must call the road police to the scene by phone 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 accident commissioner to the scene of the accident
3. Notify the insurance company of the accident in writing no later than 3 (three) working days afterwards, stating the contact person's details (phone, e-mail). You can get the application form from the accident commissioner and hand the completed form back to the commissioner as well
4. You must submit the following documents to the insurance company:

In case of damage (caused by foreign objects or unlawful acts of third parties):

1. It is not necessary to call an accident commissioner on that day
2. Notify the insurance company in writing no later than 3 (three) working days afterwards, stating the contact person's details (phone, e-mail). You can get the application form from the accident commissioner and hand the completed form back to the commissioner as well
3. You must submit the following documents to the insurance company:

In case of theft:

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

In case of fire:

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