OSAGO (Compulsory Auto Civil Liability Insurance) is a type of insurance designed to protect both vehicle owners and individuals affected by road accidents.
Main Purpose of OSAGO:
Covers damage caused to third parties, paid by the insurance company instead of the vehicle owner.
Ensures compensation for the affected party, regardless of the financial situation of the at-fault driver.
Explanation of Insurance Terms
Definitions of key insurance concepts are provided in Article 1 of the Law of the Kyrgyz Republic “On Compulsory Civil Liability Insurance of Motor Vehicle Owners” dated July 24, 2015, No. 192.
Fines for Lack of OSAGO
According to Article 184 of the Code of the Kyrgyz Republic on Offenses dated October 28, 2021, No. 128, driving a vehicle without a valid insurance contract results in a fine of 3,000 KGS (30 calculation indicators).
It is important to note that having voluntary insurance does not exempt a vehicle owner from the obligation to obtain OSAGO.
Types of Vehicle Insurance
Vehicle owners can benefit from various types of insurance:
KASKO – covers damage to the insured vehicle.
DSAGO – voluntary insurance extending liability limits towards third parties.
OSAGO – compulsory insurance providing compensation to affected parties.
Seat Insurance – protection for the driver and passengers in case of an accident.
OSPP – insurance for passengers in commercial transport against accidents.
OSPOG – liability insurance for transporting hazardous cargo.
The absence of an OSAGO contract, even with other types of insurance, is considered a violation of the legislation of the Kyrgyz Republic and results in administrative fines.
Required Documents for OSAGO Registration
According to Article 7 of the Law of the Kyrgyz Republic on OSAGO, the following documents are required for concluding the contract:
Insurance application.
Passport, military ID, or driver’s license (for individuals).
Copy of the registration or re-registration certificate (for legal entities).
Vehicle registration document (technical passport, registration certificate, etc.).
Power of attorney if the vehicle is registered to another person.
Driver’s license or a copy, if the insurance covers only specific drivers.
Nomads Life is always ready to assist with auto insurance in Central Asian countries – Kyrgyzstan, Uzbekistan, Kazakhstan, Russia, and soon Tajikistan. For consultation and insurance processing, contact us on WhatsApp: +996779066600.
