You can't drive without civil liability insurance: what you need to know about compulsory auto insurance in Kazakhstan
Civil liability insurance Internal
28 May 2025
Everything you need to know about civil liability insurance — compulsory insurance for vehicle owners
Civil liability insurance is not just an insurance policy. It is a compulsory legal requirement for all vehicle owners in Kazakhstan. Without it, driving a car is prohibited, and the consequences can be serious both in terms of fines and financial risks.
In this article, we will examine in detail what civil liability insurance is, why it is compulsory, what it covers, how it is issued, and why it is important for every driver to have it. And finally — we will briefly compare it with voluntary auto insurance and tell you how GreenGo simplifies the registration process.
In this article, we will examine in detail what civil liability insurance is, why it is compulsory, what it covers, how it is issued, and why it is important for every driver to have it. And finally — we will briefly compare it with voluntary auto insurance and tell you how GreenGo simplifies the registration process.
What is civil liability insurance?
Civil liability insurance stands for compulsory civil liability insurance for vehicle owners. Simply put, this means the following:
📌 if you are found at fault for an accident, the insurance company will pay compensation to the victims on your behalf.
This can include:
The essence of civil liability insurance is to protect others from damage caused by you while driving. This applies only to harm caused to third parties. Your car is not covered by this policy.
📌 if you are found at fault for an accident, the insurance company will pay compensation to the victims on your behalf.
This can include:
- drivers of other cars,
- pedestrians,
- owners of damaged property (for example, you knocked down a pole, fence or shop window).
The essence of civil liability insurance is to protect others from damage caused by you while driving. This applies only to harm caused to third parties. Your car is not covered by this policy.
Why is civil liability insurance compulsory?
Civil liability insurance is not a whim, but a legal requirement. According to the legislation of Kazakhstan, any vehicle owner is obliged to enter into a civil liability insurance contract if they intend to drive a car. Without it:
The legislation also strictly regulates:
This means that the terms of civil liability insurance are the same for all insurance companies — you will not overpay or receive less if you choose one company over another. The main thing is the very fact of having a policy.
- 🚫 you cannot get behind the wheel;
- 🚔 police officers have the right to issue a fine;
- ⚠️ in the event of an accident, you will have to pay compensation to the victims out of your own pocket — and this can be hundreds of thousands or even millions of tenge.
The legislation also strictly regulates:
- tariffs,
- payment amounts,
- case review periods.
This means that the terms of civil liability insurance are the same for all insurance companies — you will not overpay or receive less if you choose one company over another. The main thing is the very fact of having a policy.
What does civil liability insurance cover?
If an accident occurs due to your fault, the insurance company will pay the victims:
At the same time:
- compensation for treatment, medicines, temporary disability;
- repair of their car;
- restoration of property — if, for example, you drove into someone's gate, a shop, a pole;
- in case of tragic consequences — compensation to the relatives of the deceased.
At the same time:
- you do not receive any payments under this policy;
- your car is not subject to repair at the expense of civil liability insurance — only at your own expense or under voluntary insurance.
Who and when needs to take out civil liability insurance?
The policy is mandatory:
It is issued for a period of 1 year. It must be renewed before the current contract expires — otherwise, there will be a period when you are breaking the law.
- for all owners of passenger cars and trucks;
- for taxi drivers, delivery services, corporate car drivers;
- for legal entities and individual entrepreneurs with vehicles;
- even if you do not drive every day — the very fact of owning a car requires having a policy.
It is issued for a period of 1 year. It must be renewed before the current contract expires — otherwise, there will be a period when you are breaking the law.
What documents are needed for registration?
To apply for a civil liability insurance policy, you will need:
GreenGo allows you to upload all documents online — without traveling to an office.
- Identity card (for individuals) or company registration data (for legal entities/sole proprietors);
- Vehicle registration certificate (technical passport);
- Driver's licenses of authorized persons;
- In some cases — a diagnostic card (if the car is more than 7 years old).
GreenGo allows you to upload all documents online — without traveling to an office.
What is the difference between civil liability insurance and voluntary auto insurance?
It is important to understand: civil liability insurance does not protect your car. Even if you lose half of the car body in an accident, the insurance company will not pay you anything.
To insure your own car, drivers additionally take out voluntary auto insurance (for example, CASCO). It covers:
Thus, civil liability insurance is protection for others, while voluntary insurance is protection for yourself.
To insure your own car, drivers additionally take out voluntary auto insurance (for example, CASCO). It covers:
- theft;
- robbery;
- damage to the car while parked;
- hitting an obstacle;
- actions of third parties;
- natural disasters.
Thus, civil liability insurance is protection for others, while voluntary insurance is protection for yourself.
Why do drivers often confuse these types?
Many car owners hear the word "insurance" and think that it should cover everything. But that is not the case. In reality:
As a result, after an accident, many are surprised that no one will pay for their own car. That is why it is important to consciously understand the essence of the policy you are taking out.
- civil liability insurance is the minimum that is required by law;
- voluntary insurance is additional protection that can (and should) be taken out optionally.
As a result, after an accident, many are surprised that no one will pay for their own car. That is why it is important to consciously understand the essence of the policy you are taking out.
Why partners choose GreenGo for civil liability insurance registration
🟩 Hassle-free registration
Everything is done online: document upload, calculation, submission. Complex cases (non-residents, legal entities, old cars) are well handled.
🟩 Fast bonus crediting
You receive bonuses immediately after the client pays for the policy. No applications. no calls. no reminders.
🟩 Ability to grow your network
If you are building your own partner network, you can add new partners, see detailed statistics for each, and if necessary, access their accounts to help or support them.
🟩 Minimum manual work
Everything is automated: reports, filtering, draft renewals, comparing terms of different insurance companies.
🟩 Transparent analytics
You can always see who calculated what and how many, which transactions were completed, and which amounts were received. Full financial control directly in the platform.
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