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

What do you need to do when registering in the Europrotocol application?

Accepted Answer

When registering in the Europrotocol application, the participant in the accident must agree to the collection and processing of his personal data through access control to personal data via SMS. If you have any questions regarding the Europrotocol application, please call +7 (727) 339 3188

Question 3

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 4

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 5

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 6

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 7

How to register the Europrotocol in the Halyk application?

Accepted Answer

In the Halyk application, in the "Insurance" section, go to "Contracts" and find the "Europrotocol" button, clicking on which will redirect you to the Europrotocol application.

Question 8

What are the exceptions to the insurance coverage?

Accepted Answer

The Policy does not cover: 1. Accidents that occurred before the inception or after the completion of the Policy. 2. Injuries that are not listed in the Table of Insurance Benefits. 3. Health disorders or death that are not related to an accident, but are caused by diseases or contraindications. Example: If the event occurred due to a chronic disease, the Policy will not cover such expenses. Important Information: A detailed list of exclusions is included in the Insurance Program.

Question 9

What are the stages of registration in the Mobile Citizen Database to use the Europrotocol?

Accepted Answer

Registration in the Mobile Citizens Database can be carried out through the eGov.kz portal or using the eGov mobile application. Instructions https://egov.kz/cms/ru/articles/mobilecitizen

Question 10

What is the Europrotocol?

Accepted Answer

The Europrotocol is a method of registering an accident without involving the traffic police and going to court, allowing you to receive compensation from the insurance company. Those involved in the accident need to download the mobile application in the App Store

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