Часто Задаваемые Вопросы о Страховании

Question 1

I previously purchased insurance directly from an insurance company at a lower price. Why is my insurance now more expensive through a broker?

Accepted Answer

According to the law, an insurance broker acts in the interests of the policyholder, provides intermediary services under a contract, and is entitled to receive compensation for their services. The broker's commission is not included in the insurance premium, is not reflected in the insurance policy, and is not specified in the insurance company's documents. The insurance company has no role in determining the commission amount.

Question 2

What constitutes an insurance contract under an offer?

Accepted Answer

It is the combination of an insurance slip and an insurance covernote, both issued by a broker.

Question 3

What is an insurance broker and what is their purpose?

Accepted Answer

An insurance broker is an independent intermediary between the client and insurance companies. Their main task is to find the most favorable and suitable insurance terms for the client, protecting the interests of the policyholder.

Question 4

What is Compulsory car insurance?

Accepted Answer

It is a mandatory insurance policy that covers damage caused to other people and their property in a car accident that is your fault.

Question 5

Do I need a printed policy?

Accepted Answer

No. Since 2019, a paper policy is not required. The policy will be available in your personal account.

Question 6

Can a policy be issued by someone who is not the vehicle owner?

Accepted Answer

Yes. However, in the event of an accident, the insurance payout will only be transferred to the owner listed on the vehicle registration certificate.

Question 7

What is the difference between the Policyholder and the Insured?

Accepted Answer

• Policyholder is the person who issues and pays for the policy. • Insured is the person who drives the vehicle. • In the event of an accident, payouts are received by the Owner or an authorized representative.

Question 8

Does a broker have the right to terminate a business relationship with a client without explanation?

Accepted Answer

Yes, unilaterally in cases stipulated by the Law of the Republic of Kazakhstan on Combating Money Laundering.

Question 9

What factors influence the price of the policy?

Accepted Answer

• Vehicle registration region • Driver's age and driving experience • Accident history (Bonus-Malus system) • Age of the vehicle

Question 10

How can I receive a payment receipt?

Accepted Answer

You will receive a fiscal receipt via SMS.

Question 11

Is the activity of Insurance Broker One LLC legal?

Accepted Answer

Yes, it is. Insurance Broker One LLC holds insurance brokerage license No. 2.3.6. dated April 10, 2026, issued by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (ARRFRM).

Question 12

I received accident insurance as a gift. What are the terms and conditions?

Accepted Answer

Insured individuals, only drivers aged 18 to 65 years inclusive, who are clients of Insurance Broker One LLC. An insured event is the occurrence of the following events as a result of an accident involving a vehicle driven by the Insured: 1) persistent impairment of bodily functions resulting in a limitation of life activities, with the Insured being assigned a Group I disability – 60% of the insured amount established per Insured; 2) persistent impairment of bodily functions resulting in a limitation of life activities, with the Insured being assigned a Group II disability – 40% of the insured amount established per Insured; 3) death of the Insured – 100% of the insured amount established per Insured. The insured amount per insured person is 3,000,000 tenge.

Question 13

What happens if I do not purchase a Compulsory car insurance policy?

Accepted Answer

Driving without a policy is prohibited. The following fines apply: • Individuals — 10 MCI (in 2026: 43,250 KZT) • Businesses — up to 1,000 MCI Additionally, in the event of an accident, you will have to pay for the damages caused to the victims out of your own pocket

Question 14

In what cases can we refer clients to a broker?

Accepted Answer

Clients can be referred to a broker in cases where: * the client needs to select insurance from several companies; * requiring complex or non-standard insurance products; * the client wants independent advice; * requiring insurance for major risks or businesses; * market analysis and finding the best terms.

Question 15

What does the SMS from 1414 mean?

Accepted Answer

This is a request for consent to process your personal data. Please reply according to the instructions — this is mandatory to issue the policy.

Question 16

I replied "Yes" to the SMS, but the policy is not being issued. What should I do?

Accepted Answer

• The system only accepts digits, not text like "Yes" or "Iya". • Refresh the page and restart the process, strictly following the instructions provided in the SMS.

Question 17

What documents do the police prepare?

Accepted Answer

• Accident diagram (scene sketch) • Inspection report • Written explanations • Administrative protocol • Medical examination referral (if necessary)

Question 18

How will the termination of a compulsory motor third-party liability insurance policy (MTPL) be processed?

Accepted Answer

The policy will be terminated by the Insurance Company under standard terms.

Question 19

Where can I view the broker's contract/offer?

Accepted Answer

On the Company's website, in the Company Documents section: https://skhalyk.kz/about/documents

Question 20

What to do in the event of an accident?

Accepted Answer

1. Turn on the hazard lights and set up the warning triangle. 2. Ensure that no one is injured. 3. If necessary, call the emergency services: • Ambulance — 103 • Police — 102 (no injuries), 112 (with injuries) 4. Call Halyk Insurance — 797. 5. Keep the accident scene unchanged until the police arrive.

Question 21

What is an insurance covernote?

Accepted Answer

A document prepared by an insurance broker confirming acceptance of an insurance slip regarding the portion of the risk (part of the insured amount) and the insurance terms and conditions accepted by the insurer. The insurance broker then makes a corresponding note confirming the placement of the risks under the terms and conditions specified therein.

Question 22

How does Compulsory car insurance differ from CASCO?

Accepted Answer

• Compulsory car insurance is legally mandatory. It covers damage to other participants of the accident. • CASCO is voluntary protection for your vehicle. It covers damage, theft, and other risks, even if you are at fault.

Question 23

How many insurers must a broker collect offers from for the client to choose from?

Accepted Answer

At least three licensed insurance companies.

Question 24

How can I protect my vehicle if I am at fault in an accident?

Accepted Answer

You need to purchase a CASCO policy. It compensates for damage to your car even if the accident was your fault.

Question 25

How long does the registration process take?

Accepted Answer

It usually takes 3 days. If the case is referred to court, you will be notified via SMS.

Question 26

What should a client do if an insured event occurs?

Accepted Answer

The client should contact the insurance company as soon as possible by submitting an online claim through the Halyk app.

Question 27

What is the validity period of a Compulsory car insurance policy?

Accepted Answer

It can be issued for 6 or 12 months.

Question 28

When can a vehicle be towed to an impound lot?

Accepted Answer

Only if: • There are casualties (injured people) • The driver is intoxicated • Required documents are missing In all other cases, towing is illegal.

Question 29

Is the broker liable if the insurance company fails to transfer payment to the client on time?

Accepted Answer

No, the broker is not liable for such delays unless they are directly at fault.

Question 30

When does the policy coverage begin?

Accepted Answer

From the date you choose, but no earlier than the day after issuance.

Question 31

What happens if I leave the scene of an accident?

Accepted Answer

• A fine of 50 MCI or a driver's license suspension for 1 year. • If driving without a license: a fine of 100 MCI or administrative arrest for up to 30 days. • Exception: If you left the scene exclusively to help an injured person, no penalty applies.

Question 32

Is the broker's commission refunded if the insurance contract is terminated early?

Accepted Answer

No, the broker's commission is non-refundable, except in rare cases stipulated by law.

Question 33

How can I find out where the at-fault driver is insured?

Accepted Answer

Ask for their policy directly at the accident scene or check the documents issued by the police. You can also clarify this information with your own insurance company or the traffic police.

Question 34

Why is the compulsory motor third-party liability insurance policy issued through a broker?

Accepted Answer

The company has switched to issuing compulsory motor third-party liability insurance policies through an accredited broker—this is standard market practice and allows for a higher level of service. Furthermore, the broker takes into account the driver's reliability factor, allowing them to offer you more accurate and favorable insurance terms.

Question 35

For what services does a broker receive a commission from the policyholder?

Accepted Answer

An insurance broker provides a range of intermediary services, including: • comparative analysis of the services and financial status of insurance (reinsurance) companies; • organizing the conclusion and termination of insurance contracts; • issuing a policy on behalf of the client.

Question 36

What is an insurance slip?

Accepted Answer

A document prepared by an insurance broker and sent to a potential insurer as an offer to insure a portion of the risk (part of the insured amount) under the insurance terms and conditions specified in the document. Upon acceptance, each insurer makes a corresponding note confirming acceptance of the risks.

Question 37

What services does a broker provide/What responsibilities fall within their remit?

Accepted Answer

A broker's responsibilities include: * analyzing client needs; * selecting an insurance program and insurance company; * comparing terms, rates, and coverage; * consulting on insurance risks; * maintaining the insurance contract; * assisting with an insured event and claim settlement.

Question 38

Which questions fall under their responsibility?

Accepted Answer

Which questions fall under their responsibility? Answer: The broker's responsibility includes: * searching for and offering optimal insurance solutions; * explaining contract terms; * assistance in obtaining a policy; * supporting the client at all stages of the insurance process; * interacting with insurance companies on claims settlement questions.