Compulsory civil liability insurance of owners’ of motor vehicles

Compulsory civil liability insurance of owners’ of motor vehicles is made in accordance with the Law of the Republic of Kazakhstan “Compulsory civil liability insurance of owners’ of motor vehicles”. It is prohibited to use a vehicle without a contract of compulsory civil liability insurance of owners’ of motor vehicles.

Insured events

Insured event is occurrence of civil liability by the Insured for indemnification of harm caused to life, health and (or) property of the victims as the result of using by the Insured of an vehicle indicated in the contract of compulsory civil liability insurance of owners’ of motor vehicles.

Insurance Premium

In accordance with the Law of the Republic of Kazakhstan “Compulsory civil liability insurance of owners’ of motor vehicles”, value of the insurance premium is calculated out of the basic premium of 1.9 MCI to which certain rates as fixed by the Law are applied subject to the following conditions:

  1. place of the vehicle registration;
  2. type of the vehicle;
  3. age and driving experience of the driver (insured),
  4. run life of the vehicle;
  5. whether the insured had insured events (bonus-malus system). Bonus-malus is the system of discounts and ratios used at calculation of the insurance premium due under the contract of compulsory civil liability insurance of owners’ of motor vehicles to reward or penalize the insured depending on whether the insured had insured events assigning relevant class in the system.

Ratios in bonus-malus system with assigning of a relevant class at the end of insurance term:

Class as of the beginning of the insurance term ratio Class at the end of the insurance term subject to availability of any insured events at the fault of the insured
0 insured event 1 insured event 2 insured event 3 insured event 4 and more insured event
1 2 3 4 5 6 7
М class 2,45 0 М М М М
0 class 2,30 1 М М М М
1 class 1,55 2 М М М М
2 class 1,40 3 1 М М М
3 class 1,00 4 1 М М М
4 class 0,95 5 2 1 М М
5 class 0,90 6 3 1 М М
6 class 0,85 7 4 2 М М
7 class 0,80 8 4 2 М М
8 class 0,75 9 5 2 М М
9 class 0,70 10 5 2 1 М
10 class 0,65 11 6 3 1 М
11 class 0,60 12 6 3 1 М
12 class 0,55 13 6 3 1 М
13 class 0,50 13 7 3 1 М

Insurance period — 12 months (save for seasonal operation or a temporary entrance into Kazakhstan). The contract is valid till occurrence of the first insured event.

Insurance payments in case damage is caused to one vehicle will be up to 600 MCIs, several vehicles — up to 2,000 MCIs, but not exceeding 600 MCIs to each victim. In case of harm to health and/or life of the third parties the payment will be up to 1,000 MCIs to each victim.

The Insurer pays insurance within 15 calendar days after the receipt of all documents required to make payment.
You may use the calculator to calculate the insurance premium.