Article 19. Insurance premium amount Chapter 4. Insurance premiums The Law on Compulsory Insurance of Civil Liability of Vehicle Owners

Home / RLA / Article 19. Insurance premium amount Chapter 4. Insurance premiums The Law on Compulsory Insurance of Civil Liability of Vehicle Owners

1. To calculate the annual insurance premium payable upon conclusion of a compulsory liability insurance contract for vehicle owners, a basic insurance premium is used, to which, depending on the place of registration of the vehicle, the type of vehicle, the age and driving experience of the policyholder (insured), the service life of the vehicle and the presence or absence of insured events due to the fault of persons, whose civil liability is insured (bonus-malus system), coefficients are applied, established by paragraphs 3-10 of this Article.

It is not allowed to reduce or increase the amount of the insurance premium for other reasons not provided for by this Law.

2. The basic insurance premium is set at 1.9 monthly calculation index.

3. Coefficients for the territory of vehicle registration are set in the following amount:

№ п/п	Наименование области, города республиканского значения, столицы	Размер коэффициента по территории регистрации транспортного средства (для столицы, городов республиканского и областного значения)
1	2	3
1.	Алматинская область	1,78
2.	Туркестанская область	1,01
3.	Восточно-Казахстанская область	1,96
4.	Костанайская область	1,95
5.	Карагандинская область	1,39
6.	Северо-Казахстанская область	1,33
7.	Акмолинская область	1,32
8.	Павлодарская область	1,63
9.	Жамбылская область	1,00
10.	Актюбинская область	1,35
11.	Западно-Казахстанская область	1,17
12.	Кызылординская область	1,09
13.	Атырауская область	2,69
14.	Мангистауская область	1,15
15.	Алматы	2,96
16.	Астана	2,2
17.	Шымкент	1,01

3-1. Correction coefficients are additionally applied to the coefficients for the territory of vehicle registration specified in paragraph 3 of this Article for calculating the insurance premium.

The calculation of correction coefficients is carried out by the organization for the formation and maintenance of a database, taking into account the loss indicators for the territory of vehicle registration, the targeted loss and the reliability factor in accordance with the procedure established by the regulatory legal act of the authorized body.

The targeted loss ratio, reliability factor and correction factors are approved by the authorized body and published on the authorized body's Internet resource within the time limits established by the regulatory legal act of the authorized body.

The value of the targeted loss ratio should be in the range of sixty to eighty percent.

The insurer has the right to increase or decrease the correction coefficients by no more than ten percent of the values calculated in accordance with part two of this paragraph, in accordance with the procedure established by a regulatory legal act of the authorized body.

4. For other cities and towns in the regions specified in paragraph 3 of this article, an additional 0.8 adjustment coefficient is used to calculate the annual insurance premium.

5. In case of temporary entry of a vehicle into the territory of the Republic of Kazakhstan, a coefficient for the territory of registration in the amount of 4.4 is applied.

In the cases provided for in subparagraph 3) According to paragraph 1 of Article 5 of this Law, coefficients for the territory of vehicle registration do not apply.

6. Coefficients for the type of vehicle are set to the following size:

№ п/п	Тип транспортного средства	Классификация в соответствии с нормативным правовым актом Министерства внутренних дел Республики Казахстан	Размер коэффициента по типу транспортного средства
1	2	3	4
1.	Легковые	"В" - автомобили, полная масса которых не превышает 3500 кг и число сидячих мест которых, помимо сидения водителя, не превышает 8	2,09
2.	Автобусы до 16 пассажирских мест включительно	"Д" - автомобили, предназначенные для перевозки пассажиров и имеющие более 8 сидячих мест, помимо сидения водителя	3,26
3.	Автобусы свыше 16 пассажирских мест	"Д" - автомобили, предназначенные для перевозки пассажиров и имеющие более 8 сидячих мест, помимо сидения водителя	3,45
4.	Грузовые	"С" - грузовые автомобили, полная масса которых превышает 3500 кг	3,98
5.	Троллейбусы, трамваи	Троллейбусы, трамваи	2,33
6.	Мототранспорт	"А" - мотоциклы, мотороллеры и другие мототранспортные средства	1,00
7.	Прицепы (полуприцепы)	"Е" - составы транспортных средств с тягачами, относящимися к категориям транспортных средств "В", "С" или "Д"	1,00

10. The procedure for calculating and applying the coefficient according to the bonus-malus system is determined by a regulatory legal act of the authorized body.

11. Excluded by the Law of the Republic of Kazakhstan dated 07/12/2022 No. 138-VII (effective sixty calendar days after the date of its first official publication). 12. Excluded by the Law of the Republic of Kazakhstan dated 07/12/2022 No. 138-VII (effective sixty calendar days after the date of its first official publication). 13. Excluded by the Law of the Republic of Kazakhstan dated 07/12/2022 No. 138-VII (effective sixty calendar days after the date of its first official publication).

14. When concluding a compulsory liability insurance contract for vehicle owners for a period of less than twelve months, except in cases of temporary entry into the territory of the Republic of Kazakhstan, the insurance premiums per vehicle unit are calculated according to the following formula:

SP = GSP * n/N, where:

JV - the amount of the insurance premium under the contract of compulsory liability insurance for vehicle owners, concluded for a period of less than twelve months (in tenge);

GSP - the amount of the annual insurance premium (in tenge);

n is the deadline for concluding a compulsory liability insurance contract for vehicle owners (in days);

N is 365 days (366 days in a leap year).

In case of temporary entry into the territory of the Republic of Kazakhstan, the amount of the insurance premium per unit of vehicle is calculated according to the following formula:

SP = GSP*K, where:

JV – the amount of the insurance premium under the contract of compulsory liability insurance of vehicle owners, concluded for a period of less than twelve months (in tenge), in case of temporary entry into the territory of the Republic of Kazakhstan;

K is the correction factor depending on the period of stay in the territory of the Republic of Kazakhstan, specified in paragraph 14-1 of this Article.

14-1. When concluding a compulsory liability insurance contract for vehicle owners for the period of temporary entry into the territory of the Republic of Kazakhstan, the following coefficients are established:

10 months or more

15. Under a comprehensive insurance contract, the insurance premium is paid for one unit of a vehicle, and the amount of the insurance premium is determined to be equal to the largest amount of the insurance premiums established for vehicles specified in the insurance policy.

16. Under a standard insurance contract, the insurance premium is calculated for each insured person and is payable by the policyholder in an amount equal to the largest amount of the insurance premiums calculated for each insured person.

The Law of the Republic of Kazakhstan dated July 1, 2003 No. 446.

This Law regulates relations arising in the field of compulsory insurance of civil liability of vehicle owners, and establishes the legal, financial and organizational basis for its implementation.

President

Republic of Kazakhstan

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