Car insurance
CASCO (comprehensive car insurance) for individuals
Compulsory car insurance protects other road users, but not your car. If you cause an accident, your car is stolen, damaged by hail or someone breaks a window, you will have to pay for the repairs yourself. CASCO covers these risks. In the Insurance Center calculator you enter the car's value, the risks, the deductibles, and the vehicle type and age, and receive offers from licensed insurance companies in Kazakhstan to compare.
Who it is for
- Owners of new cars, for whom even minor repairs are expensive.
- People buying a car on credit or through leasing: the bank usually requires CASCO.
- Drivers who park on the street and worry about theft or vandalism.
- Anyone who wants compensation regardless of who is at fault in an accident.
What the policy can include
Core risks
- Road accidents, including those caused by the driver
- Car theft and hijacking
- Natural disasters: hail, flooding, falling trees
- Unlawful acts of third parties: vandalism, arson, theft of parts
Additional terms
- Repairs at an authorised dealer's service station
- Choice of damage deductible: $200, $300, $400, 2% or no deductible
- Theft deductible: 5%, 7% or 10%
How deductibles work in CASCO
The calculator uses two independent deductibles. The damage deductible is a fixed amount in US dollar equivalent or 2% of the sum insured, which is deducted from each repair payout. If the damage costs less than the deductible, you repair it yourself but save on the cost of the policy. The theft deductible applies only if the car is completely lost and is calculated as a percentage of the sum insured. Combining the two deductibles lets you flexibly balance the price of the policy against the size of the compensation.
Why vehicle type and age matter
The calculator takes into account whether you are insuring a car, truck, trailer or special machinery, since they differ in accident rates, repair costs and attractiveness to thieves. A car's age affects the risk of breakdowns and the availability and price of spare parts. For cars up to two years old, insurers more often offer dealer repairs, while for cars over seven years old the terms may be stricter. Enter the details accurately: discrepancies with your documents may lead to the payout being reconsidered.
What to check
Clarify how the payout is determined: repairs at a service station on the insurer's referral or cash compensation based on a cost estimate. Check who is allowed to drive, whether anti-theft systems are required, how wear and tear of parts is taken into account and which certificates are needed for a payout.
Sum insured and the car's value
The sum insured is based on the car's market value in tenge. Understating it to save money leads to proportionally lower payouts, and if the car is stolen you will receive less than it is actually worth.
When a claim may be declined
- Driving under the influence of alcohol or drugs.
- The car was driven by someone without a licence or not permitted under the contract.
- Theft with the keys or documents left in the car, if the contract excludes this.
- Intentional damage, racing, or using the car for purposes other than intended.
What affects the cost
| Parameter | Effect |
|---|---|
| Car value | The basis for calculating the premium |
| Set of risks | Theft and dealer repairs increase the price |
| Deductibles | A higher deductible lowers the cost |
| Vehicle type | Car, truck, trailer or special machinery |
| Vehicle age | Up to 2 years, up to 7 years or over 7 years |
What to prepare
You will need an ID card, the vehicle registration certificate, the driving licences of everyone allowed to drive, and information about the car's value. For cars bought on credit, the details of the pledgee bank.
How to buy CASCO through Insurance Center
Online calculation
Enter the car's value and choose the risks, deductibles, vehicle type and age.
Comparing offers
Compare insurers' prices and terms and choose a suitable programme.
Policy and payment
Complete an inspection if required, pay for the policy and receive it by email.
What to do if an insured event occurs
- Stop, turn on the hazard lights and call an ambulance if needed.
- Document the incident as required by law and the contract; in case of theft or vandalism, contact the police.
- Report the event to the insurance company within the set deadline.
- Photograph the damage and the scene, and do not repair the car before the inspection.
- Submit a claim with documents and receive a repair referral or a payout.
How to choose a programme
For a new car under warranty, it makes sense to include dealer repairs and a minimal deductible. For an older car, you can choose a higher deductible and focus on theft and major damage. Either way, compare not only the price but also the exclusions and the payout procedure.
This material is for reference only; final terms are set by the insurance rules and the contract.
How Insurance Center helps
Insurance Center compares offers from licensed insurance companies in Kazakhstan, helps you choose the deductible and set of risks, and supports clients through claims settlement. Calculate CASCO online or call +7 727 225 40-40.
