Compulsory motor insurance
Compulsory insurance of the civil liability of vehicle owners (OSAGO) under the Compulsory Motor Third-Party Insurance Act 2009 (№ 09-15). Every vehicle registered in the Zone must have a valid policy. Iradstrakh is the insurer for compulsory motor policies in the Zone.
What is covered
Harm caused by your vehicle to the life, health and property of other people (third parties). Damage to your own vehicle is not covered by the compulsory policy.
| Limits per insurance case | som |
|---|---|
| Life and health, for each injured person | 150,000 |
| Property, for each injured person | 75,000 |
| Funeral expenses | 10,000 |
Tariffs
Base premium for one year, in som:
| No. | Type of vehicle | som a year |
|---|---|---|
| 1 | Passenger car, engine up to 2,000 cm³ | 380 |
| 2 | Passenger car, engine over 2,000 cm³ | 460 |
| 3 | Passenger car used as a taxi (licensed) | 760 |
| 4 | Bus or minibus, up to 20 passenger seats | 980 |
| 5 | Bus, more than 20 passenger seats | 1,340 |
| 6 | Lorry, permitted maximum weight up to 3.5 t | 620 |
| 7 | Lorry, 3.5 to 16 t | 940 |
| 8 | Lorry over 16 t, tractor unit (truck) | 1,420 |
| 9 | Trailer or semi-trailer | 140 |
| 10 | Motorcycle, motor scooter | 160 |
| 11 | Tractor, combine harvester, road-building machine | 240 |
For a shorter period the base premium is multiplied by the coefficient:
| Period of insurance | Coefficient |
|---|---|
| 15 days | 0.20 |
| 1 month | 0.30 |
| 3 months | 0.50 |
| 6 months | 0.70 |
| 9 months | 0.90 |
| 1 year | 1.00 |
Tariffs approved by order of the General Director № 14 of 2 February 2009, in force from 1 April 2009, revised by order № 7 of 16 January 2019. Policies are paid in som. A policy is suspended when the premium is unpaid; driving on a suspended policy is driving without one.
Vehicles entering the Zone
Vehicles registered in Kazakhstan, Kyrgyzstan or Uzbekistan buy a short-term (border) policy at the Talas North Terminal office (daily 8:00–20:00) and from our agent at the Chu Gate crossing. Payment in som or in US dollars at the official rate of the Bank of Irad.
| Vehicle | 15 days | 1 month | 3 months |
|---|---|---|---|
| Passenger car | 120 | 190 | 300 |
| Bus or minibus | 260 | 420 | 640 |
| Lorry or tractor unit (with its trailer) | 380 | 600 | 950 |
| Motorcycle | 50 | 80 | 120 |
How to buy
- Come to any of our offices or the counter in the vehicle registration office of the traffic police.
- Bring the technical passport of the vehicle and your identity card (for an organisation: power of attorney).
- The policy is issued in 10 minutes and entered in the register the same day; the register is shown on e-Irad within five working days.
- Keep the policy in the vehicle. The Highway Patrol Corps may ask to see it.
