Basic
Limited
7 000 ₸
Legal protection for the client
- At the accident scene
- When receiving an insurance payout
Calculate compulsory auto insurance
- 1Calculate the policy
- 2Choose an offer
- 3Apply and pay for the policy
- 4You have an insurance policy.
Thank you! Your request has been received.
A manager will calculate the price at insurance companies' rates and call you back.
Additional package
The package is valid only when purchasing a policy in our service
Standard
Recommended
14 000 ₸
Legal protection for the client
- At the accident scene
- When receiving an insurance payout
- With the traffic police and in administrative court
Extended
Premium
22 000 ₸
Legal protection for the client
- At the accident scene
- When receiving an insurance payout
- With the traffic police and in administrative court
- In civil proceedings resulting from an accident
- In criminal proceedings
| Protection | Basic | Standard | Extended |
|---|---|---|---|
| At the accident scene | Yes | Yes | Yes |
| When receiving an insurance payout | Yes | Yes | Yes |
| With the traffic police and in administrative court | — | Yes | Yes |
| In civil proceedings resulting from an accident | — | — | Yes |
| In criminal proceedings | — | — | Yes |
Service Benefits
- Choosing the best price among insurance companies
- Online insurance without intermediaries and extra charges
- The policy comes immediately to your email
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Motor insurance
OGPO VTS — compulsory motor insurance
Compulsory motor third-party liability insurance (OGPO VTS) protects road users: if you cause a road accident, the damage to the injured parties is paid by the insurance company, not out of your own pocket. On the Insurance Center website, just enter the car's licence plate and your IIN — the policy price is calculated online, and you can pay for it right on the site.
Who must be insured
All owners of vehicles registered in Kazakhstan — both individuals and legal entities — must take out an OGPO policy. This applies to cars and trucks, buses, motorcycles and trailers. The contract is concluded for up to one year and must be in force for the entire time the vehicle is in use. Driving without a valid policy is an administrative offence, and an uninsured driver at fault in an accident compensates the injured parties personally.
What the policy covers
Covered
- Harm to the life and health of third parties: pedestrians, passengers, other drivers
- Damage to third-party property: other people's cars, buildings, fences
- Medical expenses and compensation for injured parties within the limits set by law
Not covered
- Damage to your own car if you are at fault in the accident
- Damage exceeding the statutory liability limits
- Intentionally caused harm
- Moral damage and lost profits, as a rule
To protect your own car, also take out voluntary CASCO (comprehensive car insurance) — it does not replace the compulsory policy but complements it.
What affects the price
OGPO rates are set by the state and are the same for all insurance companies, so the price is identical for the same parameters. It depends on:
| Parameter | Effect |
|---|---|
| Region of registration | The rate is higher in large cities with heavy traffic |
| Vehicle type | Car, truck, bus, motorcycle, trailer |
| Vehicle age | Older vehicles usually have a higher coefficient |
| Drivers' age and experience | Young and inexperienced drivers increase the price |
| Bonus-malus class | Accident-free driving earns a discount; insured events caused by you lead to a surcharge |
Certain categories of citizens, such as pensioners and persons with disabilities, are entitled to discounts by law. It is best to check the conditions for applying them with a manager.
Electronic policy and verification in the ESBD
The policy is issued electronically and is immediately entered into the Unified Insurance Database (ESBD). You don't need to carry a paper copy: police officers check your insurance in the database. You can check your policy on the e-government portal or on the ESBD website. It also shows your bonus-malus class — if it is incorrect, contact your insurer.
Add everyone who drives the car to the policy
If the car is driven by someone not listed in the contract, the insurer, after paying the injured parties, has the right to claim reimbursement from the person at fault. You can take out a policy with an unlimited number of drivers — it costs more but is convenient if many people use the car.
When the insurer can recover the payout from the person at fault
Injured parties receive compensation in any case, but after paying out, the insurance company has the right to bring a recourse claim against the driver at fault. As a rule, this is possible if the driver:
- was driving under the influence of alcohol, drugs or toxic substances;
- did not have the right to drive the vehicle;
- left the scene of the accident;
- caused the harm intentionally.
Validity and renewal
Keep track of your policy's expiry date: after it, the car is considered uninsured even if you are not using it. It is convenient to renew in advance — the calculation on Insurance Center takes a couple of minutes, and the new policy takes effect from the date you choose. When a car is sold, the previous owner's contract terminates and the new owner takes out their own policy. If you have bought a car, do not drive it without insurance, even for a short distance.
How to get OGPO through Insurance Center
Car details
Enter the car's licence plate and the owner's IIN, and add the drivers.
Online calculation
The system calculates the price based on the bonus-malus class and the car's parameters.
Payment and policy
Pay for the policy online — it will immediately appear in the ESBD and be sent to your email.
What to do after an accident
- Stop, turn on the hazard lights and set up the warning triangle.
- If anyone is injured, call an ambulance and the police.
- If no one is injured and the parties agree on the circumstances, the accident can be documented without the police by filling in a joint accident notice (European accident statement), provided the conditions set by law are met.
- Photograph the scene and the damage, and exchange policy details with the other party.
- Notify your insurance company of the accident as soon as possible, within the time limit set by law and the contract.
This material is for reference only; the final terms are determined by the insurance rules and the contract.
How Insurance Center helps
Insurance Center helps you get compulsory motor insurance online in a few minutes, checks that your bonus-malus class is correct and supports you through claims settlement. Calculate your policy on the website or call +7 727 225 40-40.
Frequently asked questions about compulsory motor third-party liability insurance (OGPO VTS)
Driving without a compulsory motor third-party liability insurance (OGPO VTS) policy is an administrative offence. In addition, if you cause an accident without insurance, you will have to compensate the victims out of your own pocket.
If another driver is at fault for the accident, your damage will be covered by their insurance company. If you are at fault, repairs to your own car are not paid for under compulsory motor third-party liability insurance (OGPO VTS). For that kind of protection you need voluntary CASCO (comprehensive car insurance).
All you need is the car's licence plate and the owner's IIN, plus the IINs of the drivers who will be allowed to drive it. The system retrieves the rest of the information from government databases automatically.
It is a class system that takes the driver's insurance history into account. Accident-free driving raises your class and lowers the policy price, while an accident caused by you lowers your class and makes the policy more expensive. You can check your class in the Unified Insurance Database (ESBD).
No. Information about the electronic policy is stored in the Unified Insurance Database, and police officers check whether you are insured using this database. If you wish, you can save the policy on your phone or print it out.
No. Compulsory insurance rates are set by the state and are the same for all insurance companies. With the same car and driver details, the policy price will be the same, so it is worth choosing an insurer based on the quality of its service and claims settlement.
Manager
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