Motor vehicle insuranceComplete protection for your vehicleWhen participating in road traffic, your driving skills alone cannot fully protect your car. Other drivers’ carelessness or inexperience can put your vehicle at risk. As you cannot control others’ actions, this insurance helps you overcome potential losses without financial damageWhile MTPL insurance covers the damage you cause to others, Motor Vehicle Insurance protects your own car from risks
What types of vehicles can be insured?
Vehicles in categories B, C, D
Approved additional equipment
CoverageWhen you participate in road traffic with your vehicle, it indemnifies damage caused to others’:✓ Life
✓ Health
✓ Property
✓ Health
✓ Property
Sum insured
The insured value of the motor vehicle is mutually agreed between the insured and the insurer, based on market price benchmarks
We offer five package options depending on the risk coverage
| № | Insurance risk | Economic | Economic plus | Standard | Standard plus | Premium |
|---|---|---|---|---|---|---|
| 1 | Natural perils | 80% | 100% | 100% | 100% | 100% |
| 2 | Fire, all types of explosions | 80% | 100% | 100% | 100% | 100% |
| 3 | All risks while participating in road traffic | 80% | 90% | 100% | 100% | 100% |
| 4 | All risk while not participating road traffic | - | 80% | 90% | 100% | 100% |
| 5 | Damage caused by plumbing/water leakage while parked in a designated parking area | - | 90% | 100% | 100% | 100% |
| 6 | Parking risks (while parked); collision, scraping, falling objects, accidental damage caused by third parties | - | 70% | 90% | 100% | 100% |
| 7 | Breakage or damage to windshield and windows due to non-accident causes (2 times per year) | - | - | 90% | 100% | 100% |
| 8 | Windshield and headlight damage caused by dust storms (repair cost basis) | 80% | 80% | 90% | 100% | 100% |
| 9 | Damage while transferring the vehicle to another driver | - | - | 70% | 90% | 100% |
| 10 | All risks while driving off-road when necessary | - | - | 50% | 70% | 90% |
| 11 | Driver’s personal accident (during policy period) | - | - | up to a total of 100.0₮ | up to a total of 200.0₮ | up to a total of 500.0₮ |
| 12 | Passenger personal accident (during policy period) | - | - | - | - | - |
| 13 | Theft of parts | - | - | - | 80% | 100% |
| 14 | Theft of the whole vehicle | - | - | - | 80% | 100% |
| 15 | Damage caused with intent to steal | - | 90% | - | 100% | 100% |
| 16 | Additional expense coverage* (during policy period) | - | - | - | up to a total of 200.0₮ | up to a total of 500.0₮ |
| 17 | If the damage is caused by the insured’s own fault, the above indemnity will be reduced by: | 20% | 20% | 10% | 5% / 0% | 0% |
1. Natural perils
Экономик80%
Экономик +100%
Стандарт100%
Стандарт+100%
Премиум100%
2. Fire, all types of explosions
Экономик80%
Экономик +100%
Стандарт100%
Стандарт+100%
Премиум100%
3. All risks while participating in road traffic
Экономик80%
Экономик +90%
Стандарт100%
Стандарт+100%
Премиум100%
4. All risk while not participating road traffic
Экономик-
Экономик +80%
Стандарт90%
Стандарт+100%
Премиум100%
5. Damage caused by plumbing/water leakage while parked in a designated parking area
Экономик-
Экономик +90%
Стандарт100%
Стандарт+100%
Премиум100%
6. Parking risks (while parked); collision, scraping, falling objects, accidental damage caused by third parties
Экономик-
Экономик +70%
Стандарт90%
Стандарт+100%
Премиум100%
7. Breakage or damage to windshield and windows due to non-accident causes (2 times per year)
Экономик-
Экономик +-
Стандарт90%
Стандарт+100%
Премиум100%
8. Windshield and headlight damage caused by dust storms (repair cost basis)
Экономик80%
Экономик +80%
Стандарт90%
Стандарт+100%
Премиум100%
9. Damage while transferring the vehicle to another driver
Экономик-
Экономик +-
Стандарт70%
Стандарт+90%
Премиум100%
10. All risks while driving off-road when necessary
Экономик-
Экономик +-
Стандарт50%
Стандарт+70%
Премиум90%
11. Driver’s personal accident (during policy period)
Экономик-
Экономик +-
Стандартup to a total of 100.0₮
Стандарт+up to a total of 200.0₮
Премиумup to a total of 500.0₮
12. Passenger personal accident (during policy period)
Экономик-
Экономик +-
Стандарт-
Стандарт+-
Премиум-
13. Theft of parts
Экономик-
Экономик +-
Стандарт-
Стандарт+80%
Премиум100%
14. Theft of the whole vehicle
Экономик-
Экономик +-
Стандарт-
Стандарт+80%
Премиум100%
15. Damage caused with intent to steal
Экономик-
Экономик +90%
Стандарт-
Стандарт+100%
Премиум100%
16. Additional expense coverage* (during policy period)
Экономик-
Экономик +-
Стандарт-
Стандарт+up to a total of 200.0₮
Премиумup to a total of 500.0₮
17. If the damage is caused by the insured’s own fault, the above indemnity will be reduced by:
Экономик20%
Экономик +20%
Стандарт10%
Стандарт+5% / 0%
Премиум0%
