The insurance policy is compulsory car insurance. Without this policy, you cannot move around the city. OPGPO guarantees the payment of material damage to third parties who have suffered as a result of an accident through your fault.
You need to immediately call Halyk Insurance hotline: 797. The call center operator needs to provide his contract number, declare an insured event and wait for the emergency commissioner.
From January 1, 2019, Kazakhstan canceled the paper form of insurance policies. Now it is enough to have an electronic format of insurance products. It is much more convenient, there is no need to come to the office, wait in line and stand in traffic jams. You just need to go to the website https://polisonline.kz/ and buy a policy online in 5 minutes.
Bonus Malus is a system of insurance discounts. It is individual for each driver of the vehicle and affects the cost of the contract of civil liability. The bonus-malus class increases in case of accident-free driving, and decreases in case of an accident caused by the client's fault. Thus, the cost of OS PGO VTS decreases or increases depending on the bonus malus.
The cost of the insurance policy is influenced by the accident-free coefficient - "bonus-malus".
The "bonus-malus" system is a table that takes into account the accident rate of car owners:
|
Class at the beginning of the insurance period |
Coefficient size |
Class at the end of the insurance period, taking into account the existence of insured events through the fault of the policyholder (insured) |
||||
|
0 insurance case |
1 insurance case |
2 insured events |
3 insured events |
4 и более insured events |
||
|
1 |
2 |
3 |
4 |
5 |
6 |
7 |
|
Class М |
2,45 |
0 |
М |
М |
М |
М |
|
Class 0 |
2,30 |
1 |
М |
М |
М |
М |
|
Class 1 |
1,55 |
2 |
М |
М |
М |
М |
|
Class 2 |
1,40 |
3 |
1 |
М |
М |
М |
|
Class 3 |
1,00 |
4 |
1 |
М |
М |
М |
|
Class 4 |
0,95 |
5 |
2 |
1 |
М |
М |
|
Class 5 |
0,90 |
6 |
3 |
1 |
М |
М |
|
Class 6 |
0,85 |
7 |
4 |
2 |
М |
М |
|
Class 7 |
0,80 |
8 |
4 |
2 |
М |
М |
|
Class 8 |
0,75 |
9 |
5 |
2 |
М |
М |
|
Class 9 |
0,70 |
10 |
5 |
2 |
1 |
М |
|
Class 10 |
0,65 |
11 |
6 |
3 |
1 |
М |
|
Class 11 |
0,60 |
12 |
6 |
3 |
1 |
М |
|
Class 12 |
0,55 |
13 |
6 |
3 |
1 |
М |
|
Class 13 |
0,50 |
13 |
7 |
3 |
1 |
М |
The calculation of the class according to the "bonus-malus" system is made annually when purchasing an insurance policy.
М – this is the minimum class of accident-free, awarded to those who often become the culprit of an accident and those who buy the policy for the first time.
13 - maximum class of safety.
In case of an insured event, you need to collect a number of documents according to the list:
- Statement of the insured event;
- Application for the organization of the assessment;
- Tech. passport of the injured vehicle (copy);
- Power of attorney for the right to receive money (presented in the original), in the case when the owner does not apply for payment according to the registration certificate;
- Ud. identity (copy) of the beneficiary;
- Bank details (information about the beneficiary's account) for crediting funds;
- The decision of the Administrative Court, which entered into legal force, or the Judgment of the court (original);
- Property damage assessment report (drawn up by an insurance company);
- Application for insurance payment;
- Bank details (information about the beneficiary's account) for crediting funds.
In case of harm to life or health, the following are additionally provided:
- Sick leave / discharge summary, etc. (documents confirming harm to health as a result of an accident);
- Fiscal, sales receipts (original documents confirming incurred treatment costs);
- Certificate of the establishment of disability;
- Death certificate (notarized copy).
Vehicle inspection is carried out within 3 working days. The result is announced within 7 working days. The assessment of damage to the vehicle is carried out after a written application from the beneficiary.
