Часто Задаваемые Вопросы о Страховании

Question 1

What is Compulsory car insurance?

Accepted Answer

CMTPL is compulsory civil liability insurance for vehicle owners. CICL VO guarantees payment of material damage to third parties who suffered as a result of an accident due to your fault.

Question 2

Can I take out a policy not on the owner or without the owner?

Accepted Answer

An Compulsory car insurance policy can be issued without the owner of the car, but in case of an accident, payment will be made only to the owner of the car according to the registration certificate.

Question 3

How does Compulsory car insurance differ from CASCO?

Accepted Answer

The execution of a compulsory motor insurance agreement (OGPO VTS) is provided for by the Law of the Republic of Kazakhstan “On compulsory insurance of civil liability of vehicle owners.” CASCO is a voluntary type of transport insurance against damage, theft or theft.

Question 4

How to protect a car from risks not covered by the Compulsory car insurance?

Accepted Answer

If you want to protect your car from risks not covered by the Compulsory car insurance, you should take out a voluntary CASCO insurance agreement. CASCO protects the interests of the vehicle owner. Even if you become the culprit of an accident and your insured car is damaged in an accident, CASCO payments will compensate for this damage. The car owner will receive money to repair the car from the insurance company.

Question 5

What is the difference between the Policyholder and the Insured?

Accepted Answer

The policyholder is the person who pays for the OGPO VTS insurance contract and subsequently makes the necessary changes to the policy: changes the period of use, adds new drivers, asks for a duplicate, etc. Also, in the event of an accident, the policyholder will be the beneficiary. The insured is the one who has the right to drive the car.

Question 6

How to calculate the cost of OGPO VTS?

Accepted Answer

The cost of the policy is affected by: • Vehicle registration region; • Vehicle service life; • Experience, age of the driver; • Driver accident history

Question 7

Why can’t Compulsory car insurance be issued through unverified persons?

Accepted Answer

Registration of Compulsory car insurance must be carried out through verified persons - representatives of insurance companies licensed for this type of insurance. Your contract must be valid and registered in government databases so that in the event of an accident, the insurance company will compensate for damage to the injured persons due to your fault.

Question 8

For how long can I get a Compulsory car insurance policy?

Accepted Answer

You can apply for a compulsory car insurance policy for 6 or 12 months.

Question 9

When does the Compulsory car insurance policy begin to take effect?

Accepted Answer

The commencement of the operation of the Compulsory car insurance is chosen by the client independently, but not earlier than the next day from the date of execution of the contract.

Question 10

What happens if you don’t have the Compulsory car insurance?

Accepted Answer

Operation of a vehicle in the event of failure to conclude a compulsory liability insurance agreement for vehicle owners is not permitted. In the absence of an Compulsory car insurance, a fine of 10 MCI (for individuals) is imposed on the car owner.

Question 11

What documents can I use to issue an insurance policy?

Accepted Answer

To purchase an OPPO VTS policy online on the Halyk Insurance Company website, you must enter the number and date of issue of an identification document (ID of a resident of the Republic of Kazakhstan, passport of a resident of the Republic of Kazakhstan, residence permit of a foreigner). It is also necessary to enter the state license plate number of the car indicated in the registration certificate.

Question 12

What is the difference between Compulsory car insurance and CASCO light?

Accepted Answer

Under the Compulsory car insurance policy, the driver’s liability is insured for compensation of material damage to third parties. CASCO light insures your car, and in the event of an accident, a payment is made to repair your car in the amount of up to 800,000 tenge, regardless of whether you are at fault or the injured party.

Question 13

Do I need a printed Compulsory car insurance policy?

Accepted Answer

As of January 1, 2019, the obligation to carry a paper insurance policy with you is eliminated. After paying for the insurance contract, we will send the policy to you on WhatsApp, as well as in the form of an SMS message and to the email you specified.

Question 14

How to calculate the cost of Compulsory car insurance?

Accepted Answer

You can calculate the cost of insurance on our website by entering your IIN and car number.

Question 15

Is it possible to get a discount on the Compulsory car insurance policy?

Accepted Answer

To calculate the insurance premium payable upon concluding an Compulsory car insurance agreement, the basic insurance premium is used, which, depending on the place of registration and type of vehicle, age and driving experience of the policyholder (insured), the service life of the vehicle and the presence or absence of insured events the fault of persons whose civil liability is insured (the “bonus-malus” system), the established coefficients are applied.