Each car owner must have a compulsory CPLI car insurance policy. This is both a legal requirement and a guarantee of financial protection in case of an accident. For the absence of a policy, a fine of 10 MCI (30,630 KZT) is prescribed. Insurance rates in each region of Kazakhstan are different, and therefore The cost of CPLI policies is different and depends on many factors: MCI, driving experience, type and age of the vehicle, vehicle registration region, accident-free coefficient (bonus-malus).
To date, the most common option for purchasing compulsory CPLI auto insurance is online on the insurer's website. But there are those who still resort to the help of insurance agents and other persons offering assistance in obtaining a policy. As a rule, it is in the second case that car owners who want to easily and cheaply purchase a policy are more likely to fall for the tricks of scammers.
Here are the most common scams:
Scheme 1. Buying fake policies from "helpers". Fraudsters often wait for people near specialized government agencies, car dealerships and car markets. They offer policies that can be paid instantly for cash or via mobile transfer. Having received the money, the criminals send the car owner a screenshot of the fake policy and assure that it has already been entered into the unified state database.
Scheme 2.
Fraudsters sell "fake" policies in social networks. In popular messengers, car owners receive a message from an unknown number with an offer to buy auto insurance. At the same time, they can send a link to a one-page site, where no specific information about the company is indicated, there are no contacts and electronic documents confirming the existence of a license to work. Trusting car owners, most often do not pay attention to these rather important aspects. Having gained confidence, the scammers ask the driver to send scans of all his documents and transfer money to an unknown number.
Scheme 3.
Fraudsters call with an offer to buy a policy. Agree, it is difficult to recognize the criminal on the phone. In the event that the car owner agrees to immediately buy insurance, the scammers ask to dictate personal data and pay by transfer to an unknown number (allegedly an insurance company), and if paid in cash, they arrange a meeting.
What is the risk for the car owner?
If you are stopped by a traffic police officer and it turns out that the mandatory CPLI car insurance is fake, you will be fined.
When leaving for another country in your car, the CPLI policy can be checked at the border. With a fake policy, you can be denied exit.
In the event of an accident, you will find yourself without insurance coverage. And when you contact the insurance company for payment and it turns out that the policy is fake, you may be mistaken for a fraudster and prosecuted.
How to protect yourself when buying car insurance
First of all, do not show or share personal data with others. Even if, at your request, they draw up a policy and ask you to dictate the code that you received in an SMS message. This may be a code from your personal account on the company's website, which only you should know. Once in the wrong hands, the code can give access to your personal account to other people. When providing data to someone, be it an insurance agent or a new acquaintance who volunteered to help in buying an electronic policy, remember that only you are responsible for the consequences of obtaining insurance in this way.
Also, when buying a policy, payment must be made on the insurer's website indicating a bank card. If you are asked to make a transfer to Caspi, most likely you have encountered scammers and you can transfer money to their personal account without buying a policy.
To date, the most reliable way to purchase a policy is online on the website of the insurance company. Thus, Kazakhstani car owners can calculate the cost of their insurance and pay for it on their own, without the help of insurance agents and other intermediaries.
“Initially, our company focused on online insurance, as this is not only the easiest, but also the safest way to purchase an OPCL policy. In order to apply for compulsory CPLI auto insurance, it is enough to go to the website of the insurance company in the CPLI section, enter the IIN, car number and mobile number. This data is enough for the system to automatically calculate the cost of the policy for the car. Then choose a payment method. After registration, the policy comes in the form of SMS and appears in the client's personal account on the insurer's website. The whole process of issuing a policy takes no more than 5 minutes, which is much faster and safer than issuing insurance with someone else's help.
But if for some reason you cannot or do not want to take out auto insurance on your own, remember the risk for which you are responsible by transferring personal data to other people,” said Azamat Kerimbayev, Advisor to the Chairman of the Board of Freedom Finance Insurance.
To date, the most common option for purchasing compulsory CPLI auto insurance is online on the insurer's website. But there are those who still resort to the help of insurance agents and other persons offering assistance in obtaining a policy. As a rule, it is in the second case that car owners who want to easily and cheaply purchase a policy are more likely to fall for the tricks of scammers.
Here are the most common scams:
Scheme 1. Buying fake policies from "helpers". Fraudsters often wait for people near specialized government agencies, car dealerships and car markets. They offer policies that can be paid instantly for cash or via mobile transfer. Having received the money, the criminals send the car owner a screenshot of the fake policy and assure that it has already been entered into the unified state database.
Scheme 2.
Fraudsters sell "fake" policies in social networks. In popular messengers, car owners receive a message from an unknown number with an offer to buy auto insurance. At the same time, they can send a link to a one-page site, where no specific information about the company is indicated, there are no contacts and electronic documents confirming the existence of a license to work. Trusting car owners, most often do not pay attention to these rather important aspects. Having gained confidence, the scammers ask the driver to send scans of all his documents and transfer money to an unknown number.
Scheme 3.
Fraudsters call with an offer to buy a policy. Agree, it is difficult to recognize the criminal on the phone. In the event that the car owner agrees to immediately buy insurance, the scammers ask to dictate personal data and pay by transfer to an unknown number (allegedly an insurance company), and if paid in cash, they arrange a meeting.
What is the risk for the car owner?
If you are stopped by a traffic police officer and it turns out that the mandatory CPLI car insurance is fake, you will be fined.
When leaving for another country in your car, the CPLI policy can be checked at the border. With a fake policy, you can be denied exit.
In the event of an accident, you will find yourself without insurance coverage. And when you contact the insurance company for payment and it turns out that the policy is fake, you may be mistaken for a fraudster and prosecuted.
How to protect yourself when buying car insurance
First of all, do not show or share personal data with others. Even if, at your request, they draw up a policy and ask you to dictate the code that you received in an SMS message. This may be a code from your personal account on the company's website, which only you should know. Once in the wrong hands, the code can give access to your personal account to other people. When providing data to someone, be it an insurance agent or a new acquaintance who volunteered to help in buying an electronic policy, remember that only you are responsible for the consequences of obtaining insurance in this way.
Also, when buying a policy, payment must be made on the insurer's website indicating a bank card. If you are asked to make a transfer to Caspi, most likely you have encountered scammers and you can transfer money to their personal account without buying a policy.
To date, the most reliable way to purchase a policy is online on the website of the insurance company. Thus, Kazakhstani car owners can calculate the cost of their insurance and pay for it on their own, without the help of insurance agents and other intermediaries.
“Initially, our company focused on online insurance, as this is not only the easiest, but also the safest way to purchase an OPCL policy. In order to apply for compulsory CPLI auto insurance, it is enough to go to the website of the insurance company in the CPLI section, enter the IIN, car number and mobile number. This data is enough for the system to automatically calculate the cost of the policy for the car. Then choose a payment method. After registration, the policy comes in the form of SMS and appears in the client's personal account on the insurer's website. The whole process of issuing a policy takes no more than 5 minutes, which is much faster and safer than issuing insurance with someone else's help.
But if for some reason you cannot or do not want to take out auto insurance on your own, remember the risk for which you are responsible by transferring personal data to other people,” said Azamat Kerimbayev, Advisor to the Chairman of the Board of Freedom Finance Insurance.
