Часто Задаваемые Вопросы о Страховании

Question 1

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 2

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 3

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 4

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 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

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

Question 7

What should you do if the person at fault in the accident has fled?

Accepted Answer

1. Call the police Immediately report the incident by dialing 102. Only law enforcement agencies are responsible for searching for the person at fault. 2. Collect identification details Remember and write down everything you noticed: the make, model, color, and license plate number of the car (at least a fragment), and the driver's description. 3. Find evidence • Witnesses: write down the contact information of any eyewitnesses. • Cameras: Check for traffic cameras or building cameras nearby. • Dashcam: Save the recording from your device or ask passing drivers for it. Important: According to the Compulsory Liability Insurance Law, if the culprit is not found, you will not be able to receive compensation. How to protect yourself in the future Get a comprehensive insurance policy (CASCO). We will repair your car with it, even if the other party in the accident flees or is uninsured.

Question 8

What vehicles can I insure?

Accepted Answer

We insure passenger cars, SUVs, minivans, and minibuses with no age restrictions, registered in the Republic of Kazakhstan and having passed the vehicle inspection.

Question 9

What documents are required to file an insurance claim?

Accepted Answer

To file an insurance claim, please prepare the following: • Identification document of the applicant. • Driver's license (of the driver at the time of the accident). • Vehicle Registration Certificate (VRC) of the damaged vehicle. • Bank details (IBAN and account details in PDF format) of the owner of the damaged vehicle for payment transfer.

Question 10

Can I file an insurance claim if I don't have compulsory motor third-party liability insurance?

Accepted Answer

It all depends on who is found to be at fault in the accident: • If you are at fault: You will have to pay for repairs to the other driver's car and medical treatment for the injured party out of pocket. • If you are not at fault: You are entitled to compensation from the at-fault party's insurance company. In any case, you will be fined for driving without insurance – 10 MCI (43,250 ₸). What to do at the scene of the accident: If at least one party does not have compulsory motor third-party liability insurance, you cannot file a Europrotocol. Be sure to call the police at 102. How to protect yourself: Get CASCO comprehensive insurance. This policy will protect your car, even if the other driver doesn't have insurance or you were at fault in the accident.

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