Часто Задаваемые Вопросы о Страховании

Question 1

What is considered an insured event?

Accepted Answer

An insured event is an accident that causes damage to your vehicle.

Question 2

I am going to Europe. How many people can I add to the policy?

Accepted Answer

For a Schengen visa, there can be only one insured person per policy. A separate policy must be issued for each person. For a child, the policy is issued by the parent.

Question 3

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 4

What should I do if I need urgent medical assistance abroad?

Accepted Answer

Immediately contact the Assistance service and provide: • Your Full Name; • Your insurance company — Halyk Insurance; • Answers to the operator's questions. Important: Notify the Assistance service as early as possible to coordinate treatment and avoid a claim denial. If you don't need a doctor, but your baggage is lost or your apartment is damaged, call the Halyk Insurance Contact Center: +7 (727) 331 00 00 or WhatsApp: +7 777 090 18 50.

Question 5

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 6

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 7

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 8

What is the Europrotocol?

Accepted Answer

It's a way to report an accident yourself in the app, without the need for the police or trips to court. Why it's convenient: • Fast: no need to wait for a patrol car or file paper reports. • No fines: the culprit doesn't pay an administrative fine. • Instant payment: a payment of up to 100 MCI (432,500 ₸) will arrive on your card faster than with a standard report.

Question 9

What should I do if I disagree with the payout amount?

Accepted Answer

If you disagree with the calculated amount, you can submit the estimate for review. Please state the reasons for your disagreement, and we will take them into account when revising the estimate. You will be required to sign a request for a reassessment of the damage assessment. If you wish, you can receive payment based on the current assessment. This does not preclude you from challenging the assessment through the insurance ombudsman.

Question 10

What should you not do in the event of an accident?

Accepted Answer

The following is prohibited: • Leaving the scene of the accident • Moving vehicles, debris, or other objects until you have taken photographs when completing the electronic accident report or until the traffic police arrive • Misrepresenting the circumstances of the accident • Leaving injured parties without assistance • Trusting persuasion if the other party offers to "settle later" or compensate for damages without completing the necessary paperwork • Signing blank or unread documents

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