Часто Задаваемые Вопросы о Страховании

Question 1

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 2

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 3

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 4

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 5

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 6

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 7

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 8

What documents do the police prepare?

Accepted Answer

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

Question 9

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 10

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 11

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 12

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 13

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 14

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 15

How can I receive a payment receipt?

Accepted Answer

You will receive a fiscal receipt via SMS.

Question 16

When does the policy coverage begin?

Accepted Answer

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

Question 17

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 18

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 19

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 20

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.

Question 21

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

Accepted Answer

It can be issued for 6 or 12 months.

Question 22

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 23

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.