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Why comprehensive car insurance (CASCO) is necessary for electric car owners in Kazakhstan

Electric vehicles are no longer a rarity on Kazakhstan's roads. By August 2025, 20.7 thousand such cars were registered, with the largest number in Almaty – 12 thousand. But even if you are a careful driver, no one is safe from force majeure. A CASCO policy from Halyk Insurance will protect you from unexpected repair costs.

Protection against expensive electric car repairs

Electric vehicles are full of high-tech parts that come at a high price. Replacing a battery after an impact can cost 2-5 million tenge. A windshield with sensors for a Tesla Model Y costs about 1 million tenge, the hood is approximately 300 thousand tenge, and a headlight is about 500 thousand tenge. You would pay a minimum of 1.8 million tenge for just these three parts, not including labor. Without insurance, this is a serious hit to your budget.

A CASCO policy for an electric car costs many times less than the repairs.

CASCO helps to:

  • Pay for repairs after an accident. If your electric car is hit or you strike an obstacle, the insurance company will cover the restoration—from the bumper to the battery.
  • Fix minor damages. Was the glass cracked by a stone, the car body scratched by a tree branch, or the car scraped in a parking lot? The policy will pay for the repair.
  • Protect against natural disasters. Hail, flood, or fire—the insurance company will help restore the car or pay compensation.
  • Compensate for theft. Under a CASCO policy, we will reimburse the cost of the stolen vehicle.

Example. Let's say a tree branch falls on your parked electric car, damaging the hood and windshield. With CASCO, you report the insured event, provide supporting documents, and receive a payout.


Protection against mistakes

Even an experienced driver is not safe from accidents. Your electric car might be hit by a novice driver or someone who lost control. In 2024, 1.5 thousand car accidents involving electric vehicles were recorded in Kazakhstan. Without CASCO, you'll have to pay for the repairs yourself if the at-fault driver flees or their MTPL (Mandatory Third-Party Liability) insurance doesn't cover the full damage.

With CASCO, you:

  • Receive a payout, even if the accident was your fault.
  • Receive a payout if the at-fault driver does not have an MTPL policy.

Example. Imagine you are driving your Zeekr on the highway, and suddenly another car swerves into the oncoming lane. Thanks to your experience, you manage to turn away in time, but the bumper and headlight are scraped. The at-fault driver does not have an MTPL policy, under which you would have received a payout as the injured party. You file a claim under your CASCO policy, and the car is repaired at the expense of the insurance company.


What to do if your electric car is stolen or beyond repair

If your electric vehicle is stolen or suffers severe damage in an accident, you could be left without transport for months. Under the Halyk CASCO policy, the insurance company will pay compensation (minus any deductible).

Example. Your electric car is stolen. You notify Halyk Insurance, provide the documents, and the insurance company pays the full cost of the car so you can purchase a replacement.


Which policy to choose

We offer two CASCO programs that are suitable for electric vehicles:

  • "Halyk CASCO" with the option for full protection or selection of risks tailored to your needs.
  • "CASCO Light" for protection in case of a car accident.