OGPO online
OGPO is a mandatory policy for every driver in Kazakhstan. It covers your liability to other road users. Compare prices and buy cheaper.
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Secure paymentOGPO is Kazakhstan's compulsory motor third-party liability insurance. The policy covers the harm a driver causes to other road users — their health and their property. It does not repair the at-fault driver's own car; that requires voluntary CASCO cover. The price is set by law and is identical at every insurer in Kazakhstan: a base premium of 1.9 MCI (8,218 ₸ in 2026, with the MCI at 4,325 ₸) multiplied by coefficients for the region of registration, vehicle type and age, driver age and experience, and the bonus-malus class. For a passenger car in Almaty on base driver parameters that is roughly 12,194 ₸ per year; in Astana it is about twice as much because of the territorial coefficient. Payout limits are tied to the MCI: up to 600 MCI per victim for property damage and 2,000 MCI if a person dies. Discounts on OGPO do not exist — every insurer must sell the policy at the same price.
Why Polis Online
Issued in 2 minutes
Pick your car and driver parameters — the price appears instantly, no documents needed.
Compare insurer prices
We show offers from several insurers in a single window.
Policy by e-mail
The electronic policy arrives by e-mail right after payment.
Licensed insurers
Only insurers with a valid license from the regulator of Kazakhstan.
OGPO has a single price set by law
In Kazakhstan the OGPO price is set by the state via a single formula (1.9 MCI × coefficients), so it is identical at every insurer — to the tenge. Choose an insurer by service, not price: payout speed, app, branch network and cashback. We calculate the exact price and send you to the chosen insurer's official website to buy.
What OGPO covers
- ✓Harm to victims' life and health
- ✓Damage to others' property and car
- ✓Several victims in one accident
- ✓Payout guaranteed by the fund
What OGPO does not cover
- ✕Repair of your own car
- ✕Theft or damage without a second party
- ✕Accidents while intoxicated
- ✕Intentional harm
OGPO vs CASCO: the differences
Two different policies: one is required by law, the other is the owner's choice
| Parameter | OGPO | CASCO |
|---|---|---|
| Mandatory? | Required by law for every driver | Voluntary, bought by choice |
| Whose damage is covered | Damage you cause to other road users | Damage to your own car |
| Who receives the payout | The injured party | The owner of the insured car |
| How the price is set | Set by law: 1.9 MCI × coefficients — identical at every insurer | Set by the insurer: a percentage of the car value, depends on the program |
| Theft and total loss | Not covered | Covered if the risk is in the program |
| At-fault accident | Repair of your own car is not paid | Repair possible if the risk is in the program |
| Term | Usually 12 months | Depends on the program, usually 12 months |
What you need to apply
How it works
Set the parameters
Region, vehicle type, experience and class — the price appears instantly.
Compare prices
We show insurer offers in a single window.
Get the policy
Pay online — the e-policy arrives by e-mail.
FAQ
What do I need to get a quote?
The calculator uses your parameters: region, vehicle type, driver's age and experience, bonus-malus class. The plate number and IIN are needed later, when issuing the policy.
Is the policy valid immediately?
Yes, the electronic policy is valid from the start date you choose and appears in the unified database at once.
Is this an official policy?
Yes. The policy is issued directly by a licensed insurer and registered in the unified insurance database.
See also
OGPO & CASCO online in 2 minutes
Compare prices from Kazakhstan insurers and buy your policy online — no office visit, delivered to your e-mail.