For companies
CASCO (comprehensive car insurance) for a company fleet
For many companies, vehicles are working tools: deliveries, staff transport, construction, logistics. An accident or theft of a single vehicle means not only repair costs but also missed schedules and lost revenue. Corporate CASCO protects the company's own vehicles against damage and theft. In the Insurance Center calculator you enter the value of the fleet, the risks, the deductibles, and the type and age of the vehicles, and compare offers from licensed insurance companies in Kazakhstan.
Who it is for
- Companies with company cars.
- Transport and logistics businesses with trucks and trailers.
- Construction, agricultural and industrial companies operating special machinery.
- Organisations that have acquired vehicles through leasing or a loan, where CASCO is a mandatory condition.
Benefits of a corporate policy
Insuring the whole fleet under one contract simplifies administration: one policy term, a single claims settlement procedure and centralised reporting. The repair budget becomes predictable, and major losses do not put an unexpected strain on working capital. Check with your accountant how insurance costs are treated for tax purposes.
A fleet is rarely uniform: it may include new management cars, trucks several years old and special machinery working on sites. Each group calls for its own terms. New cars are well suited to repairs at a specialised service station, while for older vehicles it makes more sense to choose a deductible and focus on major losses. This approach lets you avoid overpaying for unnecessary protection where it is not needed while reliably covering the most expensive vehicles.
Available risks and options
Core risks
- Road accidents, including those caused by the company's driver
- Vehicle theft and hijacking
- Natural disasters
- Unlawful acts of third parties
Additional options
- Repairs at a specialised service station
- Payout for minor damage without calling the traffic police
- Damage deductible: $200, $300, $400 or no deductible
- Theft deductible: 20% or 30%
What to check
Clarify which employees are allowed to drive and whether the policy covers any driver with a valid licence. Check the requirements for overnight parking, anti-theft systems, the territory of cover and the procedure for adding new vehicles during the policy term.
Driver control is part of protection
Many refusals are linked to drivers' violations: driving under the influence, letting outsiders take the wheel, leaving keys in the vehicle. Regular briefings for employees reduce the risk of disputes when a claim is paid.
When a claim may be declined
- The driver was intoxicated or had no right to drive.
- The vehicle was misused or used for purposes not stated in the contract.
- The theft occurred with the keys or registration documents left inside, if the contract excludes this.
- The damage is due to wear and tear, a technical fault or overloading.
What affects the cost
| Parameter | Effect |
|---|---|
| Fleet value | The sum insured in tenge is the basis of the calculation |
| Vehicle type | Cars, trucks, trailers and special machinery have different rates |
| Vehicle age | Up to 2 years, up to 7 years or over 7 years |
| Deductibles | Damage and theft deductibles lower the cost |
| Risks and options | A specialised service station and payouts without the traffic police broaden cover and affect the price |
What to prepare
To calculate and arrange the policy you will need the company's registration details, a list of vehicles with registration certificates, the value of each unit, information about leasing or pledges, and parking conditions. Some vehicles may require an inspection.
How to buy CASCO through Insurance Center
Online calculation
Enter the fleet value, vehicle type and age, risks and deductibles.
Comparing offers
Compare insurers' prices and terms and choose the best programme for your fleet.
Policy and payment
Agree on the list of vehicles, pay the invoice and receive the documents by email.
What to do if an insured event occurs
- The driver makes the scene safe and calls emergency services if necessary.
- The incident is documented in accordance with the contract; in case of theft or vandalism, the police are contacted.
- The responsible employee notifies the insurance company within the set deadline.
- The damage is photographed and the vehicle is presented for inspection before repairs begin.
- The company submits a claim with documents and receives a repair referral or a payout.
How to choose a programme
For new and expensive vehicles, choose repairs at a specialised service station and a minimal deductible. For a large fleet with frequent minor damage, payouts without calling the traffic police are useful. If the vehicles are kept in a guarded car park, you can consider a higher theft deductible to lower the cost.
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 shape terms for your fleet and supports the company through claims settlement. Calculate CASCO online or call +7 727 225 40-40.
