Часто Задаваемые Вопросы о Страховании

Question 1

What is the difference between CASCO and MTPL?

Accepted Answer

Compulsory MTPL insurance is mandatory by law and only covers damage to other parties involved in an accident. CASCO is voluntary coverage for your car against damage in an accident, even if you are at fault.

Question 2

What does the SMS from number 1414 mean?

Accepted Answer

This is a request for consent to the processing of personal data. Approval is required, otherwise the policy cannot be issued.

Question 3

For what period can the policy be issued?

Accepted Answer

Depending on the plan, the policy can be issued for: • 12 months for the "Standard" and "Maximum" plans • 3, 6, or 12 months for the "Build your policy" plan

Question 4

When does the policy take effect?

Accepted Answer

The day after the vehicle passes the photo inspection.

Question 5

Why is a vehicle inspection required when applying for insurance?

Accepted Answer

When applying for insurance, you will be required to undergo a photographic inspection of your vehicle. If there are scratches or other damage to the car, they are recorded during the inspection. These damages cannot be repaired at the insurer's expense because they occurred before the policy was issued.

Question 6

Why insure your car?

Accepted Answer

Because in the event of damage or total loss of your car, all repair costs are borne by the owner. If you have a CASCO policy, Halyk Insurance will cover these costs.

Question 7

How can I protect my car if I might be at fault in an accident?

Accepted Answer

To do this, you need to purchase comprehensive CASCO insurance. CASCO policy compensates for damage to your vehicle even if you are at fault.

Question 8

Can I purchase insurance in installments?

Accepted Answer

Yes, you can purchase a policy in installments in the Halyk app.

Question 9

What is considered an insured event?

Accepted Answer

This is an event that causes damage to your vehicle and for which Halyk Insurance pays compensation. Typical insured events: • Road accidents; • Damage caused by criminals; • Natural disasters; • Falling objects; • Theft

Question 10

What is CASCO policy?

Accepted Answer

CASCO is voluntary car insurance. It covers repairs in the event of an accident or other damage: if your car is scratched in a yard, damaged in a parking lot, damaged by bad weather (hail, hurricanes, falling branches or icicles), or caused by third parties.

Question 11

What vehicles are not insured?

Accepted Answer

We do not insure vehicles used as taxis or rental vehicles, as well as motorcycles, trucks, buses, and special equipment.

Question 12

How many drivers can I add to the policy?

Accepted Answer

You can add up to 4 drivers.

Question 13

What to do in the event of an insured event?

Accepted Answer

1. Notify the Insurance Company of the insured event by dialing 797 from your mobile phone within 3 days 2. Report the event to the competent authorities based on the circumstances of the accident In case of a traffic accident: • 102 (Traffic Police) • If there are injured persons, call 103 (Ambulance). In case of fire or explosion: • 101 (Fire Department) In case of car theft/burglary/illegal actions by third parties: • 102 (Traffic Police) In case of other unforeseen events • 112 (Rescue Service) 3. Take photos or record a video of the car and the scene of the accident 4. Do everything possible to prevent or mitigate damage and preserve the insured vehicle 5. File a claim online in the Halyk app

Question 14

What is the insured amount?

Accepted Answer

This is the maximum possible payout under the policy. If the damage exceeds the insured amount, Halyk Insurance will only pay up to this limit.

Question 15

How do I download the policy?

Accepted Answer

In the app: Profile → list of policies → desired policy → "Download". On the website: Personal account → Policies → list of policies → open policy → "Download".

Question 16

What vehicles can be insured?

Accepted Answer

We insure passenger cars, SUVs, minivans, and minibuses up to 20 years old, registered in the Republic of Kazakhstan, and that have passed a technical inspection.

Question 17

Why isn't the policy being issued if I responded to the SMS?

Accepted Answer

Question 18

What is deductible?

Accepted Answer

It's a fixed percentage that the client pays for each insured event. The higher the deductible, the lower the insurance cost.

Question 19

How do I purchase insurance online?

Accepted Answer

• Go to the insurance calculator on the website or in the app. • Enter your vehicle details and select a plan. • Enter your personal information. • Pay for the policy. • Receive your electronic policy – it will appear in your profile.

Halyk CASCO